Tara Yardley LPC LLC

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Insurance vs. self-pay

Advantages of Self-Pay

  • No required Diagnosis
  • Your in control of number of sessions
  • No future pre-existing conditions
  • No claims to file
  • Discounts available
  • Confidentiality guaranteed

Advantages of using Insurance

  • Nominal Co-payment or deductable

Disadvantages of using Insurance

  • Mental Health Diagnosis required
  • Limited allowed number of sessions
  • Future pre-existing conditions
  • Higher fees due to extra claims filed
  • Mental health diagnosis becomes permanent medical record
  • Confidentiality has to be released to third party 

Disadvantages of self-pay

  • Fees required upfront
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