Individual counseling is a personal opportunity to receive support and experience growth during challenging times in life. Individual counseling can help one deal with many personal topics in life such as anger, depression, anxiety, substance abuse, marriage and relationship challenges, parenting problems, school difficulties, career changes, etc.

Individual counseling (sometimes called psychotherapy, talk therapy, or treatment) is a process through which clients work one-on-one with a trained mental health clinician in a safe, caring, and confidential environment. Counseling allows individuals to explore their feelings, beliefs, and behaviors, work through challenging or influential memories, identify aspects of their lives that they would like to change, better understand themselves and others, set personal goals, and work toward desired change.



One of the most popular forms of payment in mental health practices is self-pay. When an individual pays for therapy through self-pay as opposed to utilizing insurance both confidentiality and treatment remain between you and and your therapist. Treatment decisions, length of therapy sessions, confidentiality and many other important decisions are always kept between you and your therapist. However, when utilizing health insurance to pay for therapy you may be relinquishing confidentiality, treatment decisions, length of therapy and other pertinent decisions to your insurance company.


  1. Choice: Clients who wish to stay in network may not always find a provider with whom they are comfortable, or who has experience dealing with the types of issues the client wishes to address in therapy. 

  2. Focus on the client: Self-pay promotes a focus on your health and strengths rather than just on what’s wrong –insurance companies require that we give you a “mental illness diagnosis,” and this diagnosis is required to be disclosed on any subsequent insurance policies for which you may apply, including life insurance, and can prevent you from being able to obtain them. We want to help you avoid that.

  3. Flexibility: Just as insurance puts restrictions on therapists, it has, up to now, set restrictions for clients as well. When you pay for your own therapy, you decide how often and how long you need to go and when you’re finished. When you use your insurance, an administrator may read your progress notes and decide when you stop. 

  4. Privacy: When clients use insurance, therapists must attach a diagnosis to release insurance benefits. This diagnosis then becomes part of the client’s permanent medical record. For clients who wish to maintain their privacy, and are uncomfortable with the number of people who have access to their medical record, they may opt to pay. Paying out of pocket means that therapists are not required to assign a mental health diagnosis or share medical information with anyone.

  5. Timeliness: Particularly in overstretched networks, clients may have to wait long periods of time to schedule therapy with a provider who accepts their insurance. In addition, some insurance companies require pre-authorizations which can further delay the scheduling of your appointment.

  6. Convenience: Paying out of pocket not only allows the client to see someone more quickly, but self-pay clients are often given the option of arranging more flexible session times, such as weekends or evenings.

  7. Eliminates surprises from billing – you’ll know up front what you’re responsible for, and there are no guessing games regarding coverage, co-pays, deductibles.  You’ll know from the beginning what to expect.

  8. Cost savings: Once you tell a therapist’s office you are insured, they are contractually obligated to charge you the rate they agreed to with the insurer.

  9. Reduces the potential for insurance premium increases – insurance companies are known to raise rates simply because you received a diagnosis! 


                                          30 mins ($50)

                                          50 mins ($125)



                                          50 mins ($125)

                          50 mins (sliding scale rate $80-$125)