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Our healing is a gift we give those we love. By dealing with old wounds, and gaining healing and insight, we are more compassionate, more present, more gentle, more connected and more patient with those we love. Here at Transformative Awakenings we seek for your healing, but even beyond that: we seek for your healing to make a difference in your most personal relationships. 

How essential is it for you to be able to find meaning and an aim for your life? How important is it to avoid divorce? Compared to your last vacation, how precious is it for you to sleep through the night? What would you give up so you can live without anxiety and depression? How much would you invest in helping your adolescent deal with his/her suicidal feelings and drug use? 

If you choose to work with Transformative Awakenings, you will find that the rates are reasonable, affordable, cost-effective, and are well in line with similar professionals’ charges. Transformative Awakenings offers a sliding scale to meet the financial needs of our clients. Please contact us today to discuss your individual therapeutic needs and rates. Package discounts may be available. Please inquire.

Depending on your financial circumstances and total medical costs for any year, psychotherapy may be a deductible expense; consult your tax advisor. Cost of transportation to and from appointments and fees paid may be deductible from the client’s personal income taxes as medical expenses.

Transformative Awakenings is not a member of any health insurance plans or panels. We are a private pay fee for service. Health insurance is a contract between you (or your employer) and your insurer; we are not part of that contract. However, we will supply you with an invoice for our services with the standard diagnostic and procedure codes for billing purposes, the times we met, our charges, and your payments. You can use this to apply for out-of-network reimbursement. 

Because health insurance is written by many different companies, we cannot tell you what your plan covers. Please read your plan’s booklet under coverage for “Outpatient Psychotherapy” or under “Treatment of Mental and Nervous Conditions.” Or call your employer’s benefits office to find out what you need to know. 

The Benefits of Private Pay

What are the benefits of paying privately for counseling versus using insurance?
Paying privately may be a better choice even if you have health insurance. Most clients seek therapy to improve relationships or transition through "rough patches," but to an insurance company review board, these are not acceptable reasons. To be approved for therapy sessions, the therapist must make a case that therapy is "medically necessary" which includes accentuating the problems the client is experiencing and labeling the client with a mental illness. This is often required after the first visit, and then becomes part of the client's permanent health record. 

Your mental health records won't be used against you.
Did you know that your health records may limit your ability to qualify for health or life insurance or require that you pay substantially higher premiums in the future? The personal details of therapy are often entered into a database called the Medical Information Bureau (MIB) by your insurance company. The medical information on over 16 million people is currently housed in this database. Other providers, insurance companies and even non-medical services like personnel departments may have access to this information for the purposes of evaluating you.

Mental health diagnoses, even the temporary use of anti-depressant medication, have been reported to backfire on consumers who have applied for individual insurance coverage. It is unclear to what extent the personal health information in the MIB may be used or for how long it is stored in the database.

Your confidentiality will not be compromised.
My commitment to care for my clients includes a desire to maintain their confidentiality. To be reimbursed by an insurance company, I would have to label you with a diagnosis and submit frequent updates on symptoms and what is happening in therapy. These may be scrutinized by the insurance company so in order to ensure continuation of treatment, I have to stress all the things that are not going well rather than focus on your strengths.

You (not a managed care panel) are making decisions about your treatment.
Many insurance companies provide payment only for certain approaches of therapy (short-term and problem-focused) and many others won't pay for family therapy, even when the client is a child and the parents are vital to the therapeutic process. Obviously, it is in the best interest of the insurance company to pay as little as possible for services, work only with the same group of providers rather than a broad range of specialists and to end therapy as quickly as possible. None of their motives address the best interest of the client.

You may save money in the long run.
Your insurance plan most likely includes a co-pay and then covers only a percentage of the therapist's fee which means you would be paying cash for a portion of the therapy anyway. You might be surprised to find that the difference between private pay and insurance co-pays are not that much more. Therapy will ultimately save you money in the long run: less money spent on stress-related illness, fewer problems at home or with your child's school behavior which may result in less time off from work. 

According to the National Institute for Mental Health, half of all lifetime mental health cases begin by age 14. If left untreated, these issues may become more severe (requiring much more extensive therapy) or progress into other unhealthy behaviors (substance abuse, suicidal behaviors, etc.). Can you put a price tag on peace of mind and happiness?

You can set your priorities for what is most important.
We find the money to pay for what's important. We pay cash for important services like car repairs, club memberships and salon visits, all of which are valuable services but meet only short-term needs. If it seems you can't afford weekly or bi-weekly therapy sessions for a period of time (therapy does not have to be a long-term commitment), there might be ways of re-prioritizing expenses to address this important service. A few adjustments to your family budget may ensure that you can receive the professional counseling that is needed to help make life-long changes.

Therapy has the potential to create lasting change and to avert more serious problems later on. 
The teen years is such an important stage of life and parents should have choices over what is in their child's best interest. When you or your teen is struggling, there are many important factors to take into consideration. Finding the right provider who is the best match for you or your teen is important and a decision only YOU should make. Since we don't know if or for how long the personal information of your child's mental health record could be kept on file with the MIB, we encourage you to take this risk into account. Consider making the choice to adjust your budget to include this important service for your child's well-being with the assurance that it will remain completely confidential both now and through your child's future. 

In summary, here are good reasons to pay privately for therapy:
  • You choose the therapist best suited to your needs rather than the insurance company telling you who to see.
  • You have flexibility in the type of therapy, who to include in the therapy session and the length of services.
  • You will have complete confidentiality. Your records will not be shared with anyone without your permission. In fact, no one else will know you are even in therapy unless you tell them!
  • You won't have to worry that your health records will be included in the MIB and possibly create problems for you or your family in the future.
  • You will be able to stay with your therapist even if your insurance plan coverage changes.