therapists and insurance

Is it Normal for Therapists to Not Take Insurance?

The world of mental health can be a labyrinth to navigate, especially when it comes to understanding the financial aspects. One question that often arises is, “Is it normal for therapists to not take insurance?” The answer is more complex than a simple yes or no. In this post, we will explore why some therapists choose not to accept insurance, the implications for clients, and how you can find therapists that take insurance.

Understanding Why Some Therapists Don’t Accept Insurance

Mental health is a major issue globally, yet insurance companies have limitations and regulations when it comes to mental health coverage. These rules and constraints leave many therapists questioning why they choose not to work with insurance companies. Below are a few of the more common reasons:

· Dealing with insurance companies can be time-consuming and burdensome. Unfortunately, many insurance companies have strict guidelines on credentialing, fee reimbursement, and deductibles that causes therapists to spend more time doing administrative tasks than helping patients.

· Insurance companies often have restrictive guidelines about what types of therapy they cover and how many sessions they will pay for. This limits the therapist’s ability to provide the best care for their clients.

· Privacy is a concern. When therapists bill through insurance, they must provide a diagnosis for the client. Some therapists feel this infringes on client confidentiality and may stigmatize the client and crosses an ethical barrier for some.

Implications for Clients

Without the constraints of an insurance company dictating treatment plans or limiting sessions, therapists have more flexibility in their approach and can tailor therapy to meet individual needs more effectively. When patients pay-out-of-pocket, they can create a treatment plan and frequency of visits as needed and which is not dependent on the constraints of insurance.

Unfortunately, the out-of-pocket fees could make therapy inaccessible for some individuals who cannot afford these rates. Many therapists attempt to offer sliding scale payments or payment plans to accommodate their patients who may have financial difficulty, while some patients may avoid much-needed therapy altogether.

How to Find Therapists That Take Insurance

1. Use your insurance company’s directory: This can be a good starting point. Find out if they are accepting new patients. Sometimes you may have to travel or be flexible with appointment times for providers who are in-network with insurance.

2. Online therapist directories: Websites like Collective Counseling Solutions have extensive directories of therapists, and you can filter by those who accept insurance.

3. Ask for recommendations: If you know someone who has had a positive experience with a therapist, ask them for the therapist’s contact information.

4. Contact local mental health clinics or universities: These institutions often have therapists on staff who accept insurance, or they may be able to recommend someone who does.


Remember that investing in mental health is as important as investing in physical health. While the cost can seem daunting at times, finding the right therapist can make a world of difference in your overall well-being. Don’t let the question of insurance deter you from seeking help when you need it! Contact us today to get started on your mental health wellness journey.

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