$150 per session with possible sliding scale
WHY I AM PRIVATE PAY
If your care is dictated by the insurer
Most insurance requires some sort of treatment plan to be submitted by in-network providers. This means that (rather than giving you the care that best fits your needs) the therapist is responsible to the (non-mental health professional) claims representative for how you spend your time. To put it simply, an in-network therapist works for the insurance company, not you. It doesn’t matter what you and your therapist decide is in your best interest, it needs to fit into what the insurer deems is the best form (and length) of treatment. Insurance companies will usually authorize a specific amount of sessions that they will provide payment for. In my experience, there is no “one-size-fits-all” when it comes to therapy. People have varying levels of severity with their symptoms, and obstacles that are unique to their life alone. Having an insurance company tell you that you need to get all of your issues resolved in x amount of sessions is kind of ludicrous but that is managed care.
Insurance almost never pays the full fee
This means you are either going to be responsible for the copay, or it means your therapist is working for less than a fair market wage. Many licensed and experienced therapists don’t work on insurance panels, and then you would be limited by what’s available on your insurance panel. Also, often you need a diagnosis in order for therapy to be covered by insurance and certain reasons for coming to therapy including couple counseling and grief counseling may not be covered.