Benfits To NOT Using Insurance For Therapy

Did you know there are benefits to NOT using your health insurance? This may seem counterintuitive, especially if you have insurance.

Many service users don't know this, but they are entitled to waive insurance coverage under certain circumstances, allowing them to customize their treatment options. 

Below, I have listed six benefits, but remember, the choice is yours. If you choose to pay out of pocket for therapy, discuss the pros and cons with your therapist. After reviewing your options, your therapist may ask you to sign a document to opt out of your insurance coverage. 

Here are the benefits:

1. Greater Privacy and Confidentiality:

Since sessions are not billed through insurance, there's no need to record a formal diagnosis in your medical records. This can provide a greater sense of privacy and confidentiality for clients who are concerned about the stigma or potential impact of a mental health diagnosis.

2. Flexibility in Treatment Approach: 

Therapists who do not accept health insurance often have more flexibility in their therapies. They can tailor their approach to better meet each client's unique needs and goals without being limited by insurance requirements.

3. No Limits on Sessions:

Insurance plans typically limit the number of therapy sessions covered, which may not be enough for clients with ongoing or complex issues. By working with a therapist who doesn't accept insurance, clients can attend as many sessions as they need to make meaningful progress in their healing journey.

4. More Focus on Client-Centered Care:

Therapists can focus more on providing client-centered care without the constraints imposed by insurance companies. This means they can prioritize your individual needs and preferences rather than adhering strictly to insurance-mandated treatment protocols.

5. Reduced Administrative Hassle:

Clients and therapists alike can avoid the administrative hassle associated with insurance billing, pre-authorizations, and claims processing. This allows therapists to focus more on providing quality care during sessions rather than navigating insurance paperwork.

6. Quality of Care:

Therapists who choose not to accept insurance often do so because they prioritize the quality of care they can provide over the restrictions imposed by insurance companies. Clients can benefit from the expertise and dedication of these therapists, who are committed to helping them achieve their therapeutic goals.

Overall, many clients find that the personalized care, flexibility, and quality of treatment they receive more than outweigh the benefits of insurance coverage.


Gena Golden, LCSW, NBCFCH, is an integrative, anti-oppression psychotherapist and a culturally attuned, board-certified fellow of clinical hypnotherapy. She practices from a holistic, intersectional, liberation-focused lens that seeks to validate your humanity, cultural nuances and lived experiences.