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Full Circle Counseling Services, LLC

Why Private Pay?

Insurance companies dictate almost everything about treatment

Private Pay is a fixed rate for a specific service. These rates are usually determined based on the years of experience, additional training, and special certifications. Private Pay visits are not billed through insurance.


In a world full of insurance, private pay may seem unreasonable if you have health insurance to use. Most people believe they cannot afford to pay without insurance. That may be true for some but it’s a better option than you might expect. Below are reasons to private pay.

  • Private-pay Rates Can Be Cheaper: If you have a high deductible insurance plan it may cost less to self-pay. The rate you pay toward your deductible is a negotiated rate set by your insurance plan, the private-pay rate may be lower than what your insurance rate is.
  • There will be a Mental Health Diagnosis when Using Insurance: When a claim is filed with the insurance company the counselor must submit a diagnosis for that visit. This information becomes part of your medical record and may be accessed by other medical providers. By paying a private rate, no diagnosis is submitted to insurance and this is not accessible by other medical providers without a signed release.
  • The Counseling Records are Not fully Confidential when using insurance: Insurance companies and other third-party payers (such as EAPs) are given information that they request regarding services with a client. Information that may be requested, but is not limited to: types of service, dates/times of service, diagnosis, treatment plans, description of impairment, progress of therapy, and summaries. This is non-negotiable if insurance and/or other third-party payers have paid for the counseling services. The information must be disclosed when requested.
  • More Freedom with Private Pay: When filing with insurance companies, there are always of the limits of what can be provided. Insurance companies dictate almost everything about treatment: the location of a session, the length of sessions, how many people are in a session, in office, by phone, video sessions, and whether they will pay depends on the mental health diagnosis.

Private Pay Advantages, A Summary:

  • Records are 100% confidential & private
  • No Diagnosis: Counselors do not have to diagnose a private pay client. If they do they do they are able to keep it completely confidential.
  • Services are more accessible; wait lists to use insurance can be months.
  • The client knows what to expect to pay, there are no billing surprises with deductibles or co-pays.
  • Counselors can utilize the type of treatment they think is best without restriction; they can see a client for as many sessions needed, not the number determined by insurance companies.
  • Best Fit: When seeking a counselor, it's important to work with a counselor who is an expert in treating the specific issues that the client is experiencing, not because they're on their insurance list.