Benefits to Self Pay versus utilizing insurance benefits


By avoiding using insurance your mental health information is not submitted to your insurance company or their employees. This adds an extra layer of privacy for clients discussing sensitive issues.

Some people seeking therapy may not meet, or continue to meet the clinical criteria the insurance company requires to provide countinued coverage for services. Shouldn't the provider and the client determine the duration and frequency of therapy rather than the insurance company?  


To bill therapy services to insurance, a diagnosis from the DSM 5 is required for coverage. Labels stigmatize people and can encourage stereotyping.  Mental health diagnoses can also be considered pre-existing health conditions and could create challenges for clients in the future seeking other types of coverage such as life insurance or long term care insurace. 


Clients often express that they have no mental health coverage, have poor coverage (including high deductibles), have spent months on wait lists, or the services they are seeking are not covered. Too many Americans struggle to find affordable prompt access to mental health services. Comfy Couch Wellness & Therapy Services hopes to offer mental health consumers an alternative to the status quo.