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Why you may not want to use your insurance for Therapy

Why you may not want to use your insurance for Therapy

Using Insurance for therapy

In the 1960s, mental health care started being a service that insurance would reimburse providers. Back then, it was for psychiatric services. Now, in almost all states, people use their insurance benefits for a majority of mental health services. This benefit can be super helpful for many of us who are insured. Not many of us can afford to or want to even pay out of pocket for our healthcare expenses. Before I opened Unload it Therapy and learned how to do the billing, I never fully understood how insurance worked for mental health. Now that I have had the experience of being a provider on insurance, I will educate you on some things that I tell clients during our first session about insurance.

A sprout symbolizing the way you can invest in your mental and emotional health at Unload it Therapy. Even if you do not want to use your insurance, or benefits are not covered, you can invest in yourself, your relationship, and your family here at Unload it Therapy in Houston, Tx.


Why you may not want to use Insurance for mental/emotional health treatment

  1. Insurance requires a diagnosis

    . So, things like anxiety, depression, bipolar disorder, etc., are things that the insurance recognizes. A diagnosis is something that is required before the insurance company will decide if they are going to pay for your treatment or not. This diagnosis is something your therapist will have to give you, even if you don’t need one. These diagnoses can follow you and be a part of your medical history indefinitely. Carrying a diagnosis can be especially problematic depending on your profession and other factors. For example, I once had a client that had to track me down from Georgia to give him clearance as he moved into the local government sector for his profession.


  1. Insurance companies often do no recognized family or couple sessions as medically necessary.

    A therapist can use relational or ‘Z’ codes. These codes say to the insurance company, “Hey, this person is experiencing issues in their relationship but does not have a specific diagnosis.” Still, my experience is that it is not something that they will honor. Most insurance plans will cover individual Therapy but not cover family or couple sessions.

Using credit card for therapy treatment may be a great option. This is for those who do not want to have a diagnosis that continues to follow them, but want to work on themselves and their relationships at Unload it Therapy in Houston, TX. You can also pay for therapy for online services in Texas and Georgia

  1. Your insurance will dictate your therapist

    . Most major insurance companies have a vast list of providers who are contracted with them. Having an extensive directory is helpful for the therapist and the client. The issues can ensue when clients decide to change their job or go with another insurance company, and their therapist is not listed. If the provider is not contracted with that company, that would mean that the client would have to start the therapy process over essentially.


  1. The insurance company may dictate your treatment process.

    Therapy is a process. And often, trying to discuss months and years’ worth of events, beliefs, and even trauma in 45-minute sessions once a week can take time. There can be times where insurance will limit the number of sessions AND the kind of treatment you can have. The limit can include the length of the session as well or the frequency. Insurance will likely not pay for more than one hour in therapy. If your therapist is trained in a helpful modality, insurance may not pay for that therapist to do what they are trained to do.

Illumination that occurs due to the investment in self, and not just waiting for your insurance benefits kick in. Learn more at Unload it Therapy

  1. Confidentiality is broken a bit with insurance

    . When you use your insurance for Therapy, there a lot of people who will know about it. Yes, these are professionals, mainly of the insurance company. However, it is not as cut and dry as it may seem. Because you are using your insurance, you may need to agree to their terms. So, your therapy will need to submit diagnosis, treatment plans, even session notes for payment for your services.


For many, using insurance for Therapy is a no-brainer. However, sometimes committing to invest in yourself, your health, relationship, and privacy may be worth it. You can also use payments such as FSA/HAS cards that can pay for out-of-pocket therapy expenses as well. This is a loaded topic, so if you have any additional questions, do not hesitate to contact us, and we will do our best to give more clarity on this critical subject.

About the Author

Roma Williams is a Houston based licensed marriage and family therapist, who is also licensed in the state of Georgia. Her specialities and clinical interests are relationships. Roma enjoys working with couples, including LGBTQ+ and those who live in polyamorous relationships. Roma also enjoys working with individuals on their relationships with self and others. Being a California native, and moving to the south in her adult years, Roma has had a great deal of experiences that have shape her cultural development both professionally and personally. In her spare time, Roma enjoys fashion, fun, and traveling.

If you are in Houston or in any part of Texas or Georgia and are ready to work with Roma click here.


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