Bridge Over River


Therapy is an invaluable investment in all aspects of your life. Often times, individuals do not prioritize mental health in the same caliber as other aspects of their lives, because sometimes it does not seem so distressing, urgent, or important. Establishing a good relationship with a therapist can benefit you for a lifetime. Emotional and mental health is important because it’s a vital part of your life and impacts your thoughts, behaviors and emotions. Being healthy emotionally can promote productivity and effectiveness in activities like work, school or caregiving. It plays an important part in the health of your relationships, and allows you to adapt to changes in your life and cope with adversity. 


Soul Praxis therapy accepts self-pa/private pay/out of pocket pay.  And while paying privately for therapy may not be right for everyone, there are some definite drawbacks to going through insurance, and some surprising benefits to paying out-of-pocket. 


Session Limits: Imagine that you need to take care of a long standing issue, or you want to work with a specific provider. Insurance companies have a vested interest in reducing their costs, and they do it by for example, creating obstacles to treatment by denying authorizations, limiting the length, the number or visits, or providers.

Limited Scope: Because of session limits and other insurance requirements, many therapists are learning to narrow or limit the scope of treatment. However, in real-world treatment settings where problems are often complex and interconnected, the pressure to “focus” treatment can cause important issues to go unexplored.

Time pressures:  Time pressures can seriously interfere with a clinician’s ability to detect subtle dynamics that may play a big part in a patient’s problems. The freedom to explore, to associate, and to notice fine detail is endangered when the work of therapy needs to be wrapped up after only a handful of sessions.

Loss of Privacy: Insurance companies require therapists to diagnose their patients in order for treatment to be authorized. Not surprisingly, this can have important consequences. Once the diagnosis is recorded and sent to insurance, the therapist has no further ability to control the dissemination of that information. It becomes a part of a permanent record. Some diagnoses carry stigma, can be used to justify decisions about life insurance coverage, or may impact security screenings for some forms of employment. In addition, there are circumstances under which an insurance company can audit a therapist’s treatment notes. When therapists treat patients privately, they retain discretion over whether or not to provide an official diagnosis. The best way to ensure the highest level of privacy is to pay for therapy out-of-pocket.

Intrusion in the Therapy Relationship: Therapy works best when it is a collaborative and private relationship between therapist and patient. Involvement of third party payers, such as insurance companies, necessarily intrudes on that relationship. It places the power to make critical treatment decisions in the hands of someone who may not even know the patient.


Depth: Mental health issues are often complex and based on multiple underlying causes. Brief, symptom-focused treatments do not usually address these underlying issues, leaving patients vulnerable to relapse after treatment has ended. When you private-pay for therapy, the duration of treatment is dictated by your individual needs. You and your therapist are free to explore and work through any underlying causes, making symptoms less likely to return after therapy has ended.

Quality of the Relationship: Learning to trust someone enough to let them in takes time. Therapists have long known this and volumes have been written about navigating the early trust-building phase of therapy so that the often more impactful later phases of treatment can be reached. This is where lasting change is often achieved. When you pay out-of-pocket, you give both you and your therapist a chance to build the trust that will be so vital in helping you to work through difficult issues that may lie further down the road.

Increased Value: Like anything in life, therapy has more emotional and psychological value when it requires some level of sacrifice to obtain. Budgeting and paying for therapy out of one’s own pocket makes the relationship more significant. It carries more weight because of the patient’s personal investment in the process. Working with private pay can significantly increase the depth and effectiveness of therapy.