Paying Out-of-Pocket:

An important consideration is a flexibility of paying out-of-pocket. You are not constrained to meet certain requirements, such as a referral from your primary care provider or condition/treatment coverage limits, to obtain care. You also do not have to fill out paperwork to get prior approval for care. You also have more freedom to choose duration, focus, frequency, and treatment modality best suited to your needs.

The primary disadvantage is cost. Given that the biggest obstacle is immediate expense, some mental health providers or centers offer reduced rates based on the client’s income or family size. To learn more about this, check out our payment assistance section. Mental health providers are free to set their own rates and offer a sliding scale when clients are paying out-of-pocket. This approach to fee setting can lead to paying even less than with insurance depending on where you fit on the sliding scale, duration of treatment, and details of your insurance plan. It is helpful that when you first see your provider that you communicate what you can afford, while also showing a willingness to be flexible. Ask about a sliding fee scale if your finances will limit your ability to seek care.

The method of payment you use to pay for your services depends on where you go for your mental health care. Most providers take debit/credit cards, cash, or check. Some mental health providers allow you to use other modes of payment such as PayPal. You can also take out a loan in order to pay for medical-related bills.