I’m an exclusive private-pay practice, which means our work isn’t dictated by insurance limitations, just your goals, your pace, and what actually helps you. You might be wondering but why don’t you accept insurance? TLDR: To protect your privacy, autonomy, and the quality of your care (my longer answer is below). Please understand just because I do not accept your insurance, does not mean we won’t be able to work together.

Insurance companies can dictate:

How long your treatment lasts

They can stop approving sessions before you’re clinically ready.

How often you must attend

They determine frequency, not your needs or my clinical judgment.

What type of therapy is “allowed”

If it’s not on their “approved” list, they can deny payment, even if it’s the most effective option for you.

What diagnoses must be given to receive reimbursement

You must meet criteria for a billable disorder for them to pay.

Proof you’re “sick enough” to qualify
They may deny claims if your symptoms don’t meet their threshold for “medical necessity.”

Reviews of your personal clinical notes
Utilization reviewers can request access to your records, reducing your privacy and confidentiality.

The right to audit or request documentation anytime
Your private information may be reviewed by multiple people who are not your therapist.

A diagnosis added to your permanent medical record
A requirement that can affect future life insurance, security clearances, employment, and disability claims.

Permission to limit or deny couples therapy altogether
They often won’t cover it unless one partner has an individual, billable disorder.

Restrictions on how flexible therapy can be
They don’t approve sessions focused on personal growth, prevention, or life transitions, only “treating illness.”

Control over session length
Some plans will only reimburse 45–50 minutes, even if 75 or 90 minutes would be more clinically effective.

The ability to end care the moment you show improvement
If you start doing better, they often reduce session frequency or stop coverage entirely.

Requirements that undermine continuity of care
If you change jobs, insurers, or plans, you may lose your therapist mid-progress.

Your mental health should NOT be controlled by a company that has never met you. Periodt.

Bypassing insurance allows the utmost flexibility and privacy for my clients

You’re not required to receive a mental health diagnosis

Insurance mandates a diagnosis for reimbursement. Private pay means your story isn’t reduced to a billing code.

Your diagnosis won’t become part of your permanent medical record

This protects future life insurance applications, disability claims, adoption paperwork, and certain career paths.

Therapy can focus on growth, prevention, identity work, grief, or relational patterns

Insurance only pays for “treating illness.” Private pay allows deeper, more meaningful work.

Your sessions remain 100% private = no compliance audits

Insurance companies can request treatment notes or summaries. I don’t release anything without your consent, ever.

We can use integrated, creative, and innovative therapy approaches

Insurance restricts what approaches are reimbursable. Private pay lets us use what actually works for your nervous system and your life.

You’re not tied to an insurance panel’s provider list

You choose the therapist who feels like the right fit, not whoever has an open slot.

You get continuity of care even if your insurance changes

Switching jobs, plans, or coverage won’t force you to switch therapists.

We can customize session length to what you need

Insurance often only reimburses 45–50 minutes. Private pay allows 60, 75, or 90 minutes when deeper work is needed.

Your therapy won’t be interrupted by “medical necessity reviews”

No one is evaluating whether you’re “sick enough” to continue.

Your therapeutic goals can evolve without limitation

You’re not locked into a rigid treatment plan created to satisfy insurance requirements.

While I do not directly accept health insurance; it’s worth noting that your insurance company may accept something known as a Superbill, essentially a detailed therapy receipt that I can provide upon request. You can then submit this Superbill for potential reimbursement. It’s a straightforward process that typically involves a confidential fax, email, or portal to send the Superbill to your insurance provider. It is very important to note that the Superbill will show how many therapy appointments you attended, the cost of those services, any mental health diagnoses that you meet criteria for, and your insurance will have access to this information. We can discuss this further and review it during our meetings so you can make an informed decision that aligns with your needs.

I recommend reaching out to your insurance provider, using the phone number on your insurance card, to inquire about “out-of-network benefits.” They can provide you with information regarding potential reimbursement based on your plan and deductible. Please note that you will be responsible for the full fee at the time of service.

If You’re Worried About Cost, Here Are Options

• Use HSA/FSA dollars (pre-tax)

• Ask your insurer whether you have out-of-network benefits

• Spread out session frequency (biweekly or every 3 weeks) once stabilized

• Schedule longer sessions less frequently for deeper work

Many clients choose private pay for the privacy, flexibility, and freedom it offers.

For Individuals & Couples

Therapy can change your life if you let it…