Benefits of Private Pay

Insurance companies set limits around the services you receive including the number of sessions, the length of sessions, the frequency, and most importantly the type of counseling you receive. When you do private pay you have the autonomy to determine your goals and the course of treatment that best fits those goals.

Insurance Companies are provided some of your information to process necessity of the services being provided; Including information about your diagnosis (Diagnosis required with insurance), treatment goals, and progress. 

The therapeutic relationship is very important. Finding the right counselor for you is crucial because you are spending time, money, and energy into the commitment of your therapy. When using insurance, you are limited to the counselors in your network, those that may not be the best fit for you. Private pay allows you the ability to find a counselor that has the approach, personality, and specialties that best fit your needs and wants, and provide opportunity for a strong therapeutic relationship.

Insurance companies operate on a medical model that often requires a mental health diagnosis to determine medical necessities. In private pay we do not have to give you a diagnosis in order to proceed with treatment, instead we will focus on your treatment goals and concerns.

Insurance Related Questions:

Yes! Freedom to Heal Counseling is in network with Aetna, Optum, UMR, Oxford Health, Oscar, and United Health Care.

It is suggested that you speak to your insurance provider to see if they provide coverage for mental health services. However, utilizing your insurance with Freedom to Heal Counseling is streamlined and easy.  

If your insurance covers out of network counseling/psychotherapy, then I can produce a “superbill” for you to provide to your insurance provider for reimbursement directly to you. Freedom to Heal Counseling is not responsible for any insurance related issues or lack of reimbursements but I am happy to do what I can to answer any questions and assist you.

  • Do I have mental health counseling benefits?
  • Do I have a deductible that I have to meet?
    • Have I met it?
    • How close am I to meeting it?
  • Does my plan have a maximum number of sessions that are covered?
  • Do I have a co-pay or co-insurance for utilizing my insurance?

Yes, you have autonomy of your treatment.  If you would like to keep your privacy, don’t want to have a diagnosis, or the several other reasons listed in the benefits of private pay section and you prefer private pay, then that is your choice and you do not have to use your insurance. 


I offer telehealth and in person sessions depending on your needs and wants.

Yes! EMDR can be done through telehealth; we will use a platform designed specifically for EMDR. 

Couple counseling works great through telehealth! The research is showing that it is effective as well, so don’t just take my word for it.