Keep in mind

It may be more cost effective to utilize private pay services for therapy than health insurance for several reasons. With rising health care costs, co-pays and deductibles can also be increased. For example, many insurance companies require consumers to meet a high deductible before coverage kicks in. If your deductible is $2000 and session rate for therapy is $150, you would pay out of pocket for 13 sessions until your health insurance starts covering portions of the sessions.

Insurance companies can also limit the consumer to a small pool of therapists who might not be specialized in the care you need. It is essential to find a therapist who is an expert in your specific concern to receive quality therapy. 
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Insurance companies also require a mental health diagnosis which can become part of your permanent record. 
Please give us a call if you have further questions or concerns with private pay. Starting with a free 20 minute phone consultation with one of the therapists might be a good place to start if you are still not sure!
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no surprise act and good faith estimate

A client has the right to be provided a Good Faith Estimate to protect a client from unanticipated costs of therapy.  A Good Faith Estimate shows the costs of services that are reasonably estimated for the expected services to address a client's mental health care needs. The estimate is based on the information known to the therapists at Genuine Self Therapy when the estimate is completed.

The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. A client could be charged more if complications or special circumstances occur. If this happens, federal law allows clients to dispute (appeal) the bill.  If a client is billed for more than this Good Faith Estimate, the client has the right to dispute the bill.

A client may start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If a client chooses to use the dispute resolution process, the client must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill.

There is a $25 fee to use the dispute process. If the agency reviewing the dispute agrees, clients will have to pay the price on the Good Faith Estimate. If the agency disagrees with the client and agrees with the health care provider or facility, the client will have to pay the higher amount.

To learn more and get a form to start the process, go to:
www.cms.gov/nosurprises or call CMS at 1-800-985-3059.

For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises or call CMS at 1-800-985-3059 .

This Good Faith Estimate is not a contract. It does not obligate clients to accept the services from Genuine Self Therapy.