Insurance: I do not accept Insurance, Why?

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Insurance companies may limit the number of sessions you can have or they will pay for. 

 

Insurance requires a diagnosis in order to justify treatment, this can often lead to insurance fraud and unethical treatment per the ACA Code of Ethics if you do not actually have a DSM diagnosis. This diagnosis can stay on your medical record for life which can be damaging for a variety of reasons and this diagnosis can accessed by Life Insurance companies for example who may deny you. 

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Insurance companies require detailed session notes and personal information, which can compromise client confidentiality. 

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Some clients such as military, first responders, pilots, prefer out of pocket services to avoid creating a mental health record that could be accessed in legal or employment situations due to stigma of being "unfit for service" which only perpetuates the cycle of crisis. 

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Insurance does not or may not cover treatments like couples counseling, EMDR, career counseling or life coaching. 

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Cost for counselors: insurance payments can be delayed for weeks to months, claims can be denied or audited, and often insurance reimbursement rates are much less than the therapist actually charges. 

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