“Why don’t you accept my insurance?”
That’s a great question!
In my practice, I’ve chosen not to accept insurance. This decision allows me to focus on delivering meaningful, individualized care rather than navigating the restrictions that insurance companies often place on therapy.
Insurance reimbursement rates are typically far below the actual cost of services — sometimes less than half of what a session is worth. For many clinicians, this leads to overbooked schedules, limited time with clients, or needing to cut corners in order to stay afloat. That’s not the kind of care I want to provide.
Insurance plans can also create obstacles by:
Requiring a mental health diagnosis from the very first session, just to approve services
Limiting the number or frequency of sessions
Dictating what “counts” as appropriate treatment
Requiring that personal information be shared with the insurance company
By choosing not to contract with insurance panels, I’m able to protect your privacy and ensure that therapy is shaped by your needs, not insurance rules.
Options for Out-of-Network Reimbursement
Although I’m not in-network, many clients still use their insurance by taking advantage of out-of-network benefits. If your plan includes this option, you may be able to get partial reimbursement for sessions.
Here’s how it works:
You pay me directly for sessions.
I can provide a Superbill (a detailed receipt) for you to submit to your insurance company. Please note: This often requires a formal diagnosis.
Your insurance company may then reimburse you a percentage of the cost, depending on your plan.
If you want to explore this option, contact your insurance provider and ask:
Do I have out-of-network mental health benefits?
What is the reimbursement rate?
What’s my deductible and has it been met?
Are there any limits on the number of sessions covered?
Why Paying Out of Pocket Can be Valuable
Many clients decide to pay out of pocket because it allows for:
Greater privacy and confidentiality
More flexibility in scheduling and treatment planning
A stronger focus on the therapeutic relationship
Freedom from insurance restrictions on how care “should” look
This path keeps therapy centered on your growth and well-being, rather than administrative requirements.
My Approach
I believe therapy should always be about people, not paperwork. While the insurance system can be complicated, there are still ways to get support through reimbursement if your plan allows it. And by remaining out-of-network, I can stay focused on what matters most: offering consistent, high-quality, and compassionate care.
If you’d like to talk about payment options or using out-of-network benefits, I’d be happy to walk you through the process.