Why consider private pay?

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• To avoid needing to get a pre-authorization which can delay access to therapy.

• To know what the rates are upfront without having to figure out co-pay, co-insurance, or deductible.

• To be able to talk to a therapist for even though you don't have a mental health diagnosis.  Insurance companies often require a diagnosis for reimbursement.  There are benefits to counseling that do not involve a diagnosis:  personal growth, communication, stress, etc.  

•  To avoid the possibility of a diagnosis being documented as pre-existing condition.  It is unclear if health insurance companies can, at some point, use a behavioral health diagnosis as a pre-exsisting condition. 

• To be able to work with your therapist  to design a treatment plan that works for you without  involvement from a third party.   

• More control, freedom for self determination and greater anonymity for the client.