Why Pay Privately For Therapy?
Why Pay Privately for Therapy
Like many experienced clinicians, I am not associated with any managed care or insurance companies. This means my clients pay privately to see me. There are many benefits associated with this policy.
Protect your Privacy
When you use insurance to pay for therapy, you essentially invite the insurance company into the sessions with you. The insurance company can audit your treatment at any time, and examine all the confidential documentation of your treatment. Insurance companies monitor your diagnosis and evaluate your progress to make determinations about whether they will pay for your treatment. Insurance companies also require that the therapist notify your physician that you are in treatment, When you pay privately for treatment, your concerns stay off the record.**
Control your Treatment
The best therapy evolves as you discuss the things that are important to you -- people you love, struggles you face, difficulties at work or home -- the every day challenges of life. You and your concerns should direct your treatment, not the insurance company. When you use insurance to pay for your therapy, your insurance company intrudes into the therapy process. Insurance companies have extensive documentation requirements that don't add any value. Insurance controls how many sessions you can recieve. The insurance company can retroactively take back all the money that they have paid. This all means that the therapist ends up thinking about how to satisfy the insurance company, instead of concentrating on you. When you pay for your own treatment, you control the decisions about it, and the focus remains on you.
Safeguard your Future
When you use insurance, you unknowingly initiate a reporting process to a national database that can later affect you. The Medical Information Bureau tracks your medical diagnoses, tests, and results, your bad habits such as smoking, overeating, and drug use, as well as your hazardous hobbies and driving history. If you later apply for life insurance after recieving a psychiatric diagnosis you can be denied insurance coverage. Paying privately for treatment ensures that your problems remain confidential and will not affect you or your child's ability to obtain life insurance in the future.
Benefit from Experience
Providers that are in insurance networks are often less experienced. Senior level clinicians with greater experience and expertise often choose not to take insurance payments due to the numerous limitations and regulations the insurance companies impose on a treatment. Paying privately for your treatment means you get the benefit of greater expertise and experience from a senior psychotherapist.
** Confidentiality exceptions include the duty to warn when the patient or another person is in imminent danger, the abuse of a minor, and a court order.