Should I begin therapy?

 

We encourage you to ask yourself the following questions:

Am I unhappy with myself and how I am living my life? Am I struggling with my relationships? Is my family life stressful? Am I feeling overwhelmed by school or work? Am I anxious? Do I feel depressed? Am I concerned about my marriage or children? Am I grappling with health problems? Am I going through a significant transition in my life? Do I have unresolved issues from my past that still upset me? Have I tried to solve my problems on my own but feel stuck?
 

If you answered yes to some of these questions, we encourage you to contact us for an appointment. Therapy may help you resolve problems and make changes.

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What type of payments do you take?

Our rates are $100 per session. Payments are arranged prior to your initial Intake appointment. Occasionally we adjust rates lower based on circumstances.
 

Florida Counseling Professionals does not participate in any insurance networks at this time.  Out-of-network reimbursement forms will be promptly completed upon request and often times, you will be reimbursed for part or all of your therapy sessions.  In addition, many insurance plans offer Flexible Healthcare Spending Accounts that can be used to cover therapy. 

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Why Should I Consider an Out-of-Network Therapist?

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You may consider seeing an out-of-network therapist if you are looking for a therapist with a unique specialty, seeking highly personalized services, and/or have a high deductible health insurance plan such that you would have a high out-of-pocket cost either way.

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Here are additional reasons people seek out-of-network therapy services:

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 1. You’re looking for a therapist with a unique skill set

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While many therapists are qualified to treat common challenges – such as anxiety or depression – if you are interested in working with a specialist to address a specific challenge, you should consider looking out-of-network.

 

Private pay therapists often have more specialized practices. So if you come across a therapist whose skills directly speak to your needs, it’s worth reaching out.

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Picture your dream therapist. If you imagine one of the following – or someone with a similarly niche expertise – consider looking outside of your insurance network:

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• A Trauma therapist

• An EMDR specialist

• A Relationship specialist

• A Cognitive Behavioral Therapist (CBT) specialist

 

 2. You have a high deductible plan

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A deductible is the amount you have to pay upfront before your insurance coverage kicks in. If you have a $6,000 deductible and you haven’t had any other medical expenses yet in the year, you are responsible for paying up to $6,000 in therapy session fees out-of-pocket before your standard copay applies. This is a case where seeing an in-network therapist and out-of-network therapist can accrue effectively the same cost.

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 3.  You have good out-of-network benefits

If you have good out-of-network benefits, your insurance company may reimburse you as much as 80% of each session fee, depending on your plan and the therapist’s rate.

This means that in some situations, using your out-of-network benefits can actually be more affordable or comparable to your standard copay to see an in-network therapist.

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 4. You want highly personalized services

If a therapist isn’t constrained by only providing services they can bill to an insurance company, they are often able to spend more time and creativity crafting the perfect treatment plan for you. Especially if you would like to receive mental health services for a long period of time, this extra attention may benefit your progress.

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Out-of-network therapy opens doors for out-of-the-box treatment

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Out-of-network therapists can offer longer or more frequent sessions than insurance might cover. You can also explore out-of-the-box solutions.

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For example, if you are struggling with eating challenges, an out-of-network therapist might go with you to the grocery store or help you cook and eat healthful meals. These are services that an in-network therapist would not be able to bill (so they likely wouldn’t be offered).

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This is also true of services that are not intended to address a diagnosable mental health condition, such as Couples Counseling.

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 5. Privacy from your family and/or parents

 

If you are on your parent’s or spouse's insurance plan and are uncomfortable with them knowing you are seeing a therapist, you might consider paying out-of-pocket.

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 6. Privacy from your health insurance company

 

In order for your insurance to pay for therapy sessions, therapists are required to provide the company information regarding your sessions, including a diagnostic code. If you don’t want your insurance company to have access to any information about your mental health, consider out-of-network options.

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 7. You don’t want to wait to start therapy

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For the less-known insurance plans, it can be very difficult to find a therapist who is in-network and accepting new clients. If you limit your search by insurance, you may have to spend months on a waitlist before seeing a therapist.

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 8. You found a great match!

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At the end of the day, your relationship with your therapist is one of the most important aspects of the healing process. If you only consider in-network therapists, you might eliminate therapists who would be a really good fit for you and maybe help you feel better faster.

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Choosing an in-network therapist who doesn’t make you feel comfortable or specialize in the areas you’re struggling with solely because they’re in-network is a waste of money (and not to mention time!). Prioritize the personality fit and you’ll find a great match — your mental health is worth it.

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​ This is your therapy so you get to choose!

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