Private Pay

• Avoid diagnoses on your record
• No limit on number of sessions
• Less documentation. More quality session time

• Flexibility in choosing a quality Therapist
• Flexible scheduling and availability
• More positive outcomes due to financial commitment

Insurance

• Must prove “medical necessity” by giving diagnosis
• Limitation on finding quality Therapist
• Diagnoses become part of medical record

• May have to meet deductible first
• Documentation needs to be completed
• Records of private information can be requested

• Records may limit ability to qualify for life insurance
• Many issues not covered by insurance (stress, relationships, etc.)
• Some plans do not cover relationship or couples counseling