Why should you choose private pay
over using insurance?
Greater Control
Unlike insurance, which can limit the type of treatment modalities, the number of sessions, and their frequency, private pay ensures that care decisions are driven by the client’s needs rather than cost-cutting measures.
Additional Confidentiality
When using insurance for mental health services, records of treatment may become part of your medical history, potentially impacting life insurance applications or legal proceedings.
HSA and FSA Accounts
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) allow you to use pre-tax dollars for any qualified healthcare service, even if your insurance plan does not cover the provider
Out-of-Network Benefits (OON)
If your insurance plan has OON benefits, they will cover a portion of the cost when you see a therapist who doesn’t have a direct contract with your insurance company.
What you need to know
Insurance companies often reimburse a percentage of the therapist’s fee, usually after you meet an out-of-network deductible.
Ask your health insurance provider about the following:
- Do I have mental health benefits?
- What is my deductible and has it been met?
- How much does my plan cover for an out-of-network provider?
- What is the coverage amount per therapy session?
- Is approval required by my primary care physician?
Extra Help
Make OON benefits
easy with Thrizer
Thrizer is a helpful platform that makes managing your out-of-network benefits easy. It works alongside insurance agencies to verify your benefits and provides a portal where you can upload your superbills and receive reimbursements directly to your bank account. Free and paid plans are available. For more information on Thrizer, visit their site or click the button below.