What is Private Pay?
Private pay occurs when individuals pay healthcare providers directly instead of using insurance.
Why should I consider Private Pay over using my insurance?
Private pay puts you in control of your healthcare. Insurance companies place restrictions on the care you receive.
Insurance does have certain benefits, but often not until you’ve met certain financial criteria. For example, if you have a deductible, you will still be paying out-of-pocket for a full service amount until you reach that deductible. Only then will you have a copay and pay for services at a lower rate. If you are seeing your provider more than once a week, consider how much you’d have to pay for services.
Insurance can also dictate the kinds of services available to you. If you have mental health coverage, but not virtual or telehealth, then you will be required either to pay out-of-pocket for those services or to see a therapist face-to-face. Your therapist may be trained in a special type of service like EMDR, but your insurance might not cover it. Private pay allows you and your therapist to determine the best treatment for you.
Therapists must provide diagnostic notes to the insurance company in order for your insurance provider to pay for services. Applying a diagnosis requires an assessment. This is time that is spent meeting the needs of the insurance company rather than helping you reach your goals. Some insurance companies also place restrictions on the diagnoses that they will cover.
When you choose to pay for services directly, you and your provider are not limited by the restrictions of an insurance company, allowing for personal attention to your priorities.
I can’t afford Private Pay and don’t have insurance. What are my options?
HopeWise LPC-Associates offer a starting rate of $65 for counseling services. This lower rate can be more accessible and clients have the added benefit of knowing that a seasoned supervisor is also involved in their care.