I do not accept insurance. Privacy, control, and medical diagnosis are the main reasons I don’t accept insurance. Insurance companies limit and monitor the number of sessions a client is able to have, dictate how a therapist is able to work with a client and require a medical diagnosis be made which becomes a permanent part of your medical record. Ethically, I have a hard time diagnosing someone with a mental disorder because most of my clients are not ill and deserving of such a label. Confidentiality is also weakened as they have access to your clinical notes and records upon demand. For these reasons and more, I have chosen not to accept insurance.
No Surprises Act
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.
You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service.
This is just an estimate your Good Faith Estimate may be revised to reflect changes is services or fees. You have the right to request an updated Good Faith Estimate at any time in your treatment.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. There is a fee to file a dispute. Make sure to save a copy or picture of your Good Faith Estimate. Your Good Faith Estimates will be kept accessible for you to download in your client portal.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.