Why I Don't Bill Insurance (Directly)

Accountability

I believe that who pays you is who you work for. If I bill your insurance, then I’m working for the insurance company—not for you. As you know, insurance providers are primarily focused on minimizing costs, which often means denying claims or limiting coverage to services they deem medically necessary. A classic example is couples therapy, which insurance does not consider necessary unless one partner is diagnosed with a mental illness. This forces individuals to claim a disorder, even when the real issue may simply be relationship dynamics or communication challenges.

Avoiding an Unnecessary Diagnosis

Many of the professionals I work with hold security clearances, leadership roles, or high-stakes careers. Some promotions and job applications may involve a review of past medical records, including mental health treatment.

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When using insurance, a diagnosis is required—even if you’re simply seeking support for grief, work stress, or personal growth. This is why people can end up with diagnoses like Major Depressive Disorder when, in reality, they’re struggling with temporary stressors. A diagnosis is not necessary for effective therapy—only for insurance billing. Instead of labeling your experience in a way that could follow you, I focus on your story, your challenges, and your goals.

Protecting Your Privacy

Insurance companies can request detailed therapy notes at any time, meaning they may access intimate details of our sessions. While I keep notes minimal and objective, insurers often demand more information. Additionally, in today’s digital world, data breaches at major insurance companies have exposed personal records. My goal is to safeguard your confidentiality and control over your personal information.

How You Can Still Use Insurance

You can still utilize your benefits through a superbill. You’ll pay me directly, and I’ll provide an itemized receipt that you can submit to your insurer for potential reimbursement. While a diagnosis is still required, in most cases, Adjustment Disorder is appropriate—meaning difficulty adjusting to life changes. We’ll discuss this further during your free consultation to ensure clarity and transparency.

Reduced Fee Options

For those in significant financial need, I offer a financial scholarship—a reduced fee made possible by clients who pay my full rate. There’s no lengthy application process—simply ask.

An Investment in Yourself

Most clients complete their work with me in 3 to 7 sessions, with the majority seeing meaningful change in 12 or fewer. Therapy is an investment, and I understand it may feel like a risk. That’s why I offer a free consultation—so you can decide if we’re the right fit. The return on investment? A life that feels lighter, more fulfilling, and a deeper understanding of yourself.

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If you have any questions, we’ll cover them in our consultation. I look forward to working with you.