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  • Writer's pictureTroy Faddis, LMFT

Navigating Mental Health Therapy with Insurance: Pros, Cons, and Considerations


Mental health counseling plays a crucial role in our well-being, whether we’re dealing with diagnosed conditions or the everyday challenges of life. One key decision is whether to use insurance to cover therapy costs. In this blog, we’ll explore the pros and cons of using insurance for mental health therapy, helping you make informed choices.

Pros of Using Insurance to Pay for Mental Health Therapy

  1. Reduced Out-of-Pocket Costs: If your insurance plan covers behavioral health services and you’ve met your deductible, therapy may be fully covered. “Parity” laws ensure equal coverage for mental health services, making therapy more accessible.

  2. Improved Consistency in Care: Insurance coverage allows for more frequent therapy sessions, fostering consistent engagement and faster progress toward goals.

  3. Payments May Help Meet Deductible: Therapy costs contribute to meeting your deductible, potentially reducing overall out-of-pocket medical expenses.

Cons of Using Insurance to Pay for Mental Health Therapy

  1. Cons of Using Insurance to Pay for Mental Health Therapy

  2. Requirement for Diagnosis: Insurance mandates therapists to provide a mental health diagnosis, which can lead to unnecessary labeling and long-term consequences. Some individuals seeking therapy for life challenges may not meet diagnostic criteria.

  3. Loss of Confidentiality and Access to Benefits: A mental health diagnosis on record can impact security clearance, job applications, and other life decisions. Obtaining life or disability insurance may become challenging and expensive.

  4. Control Shared with Insurance Company: Insurance dictates session lengths and may limit the number of sessions, affecting treatment flexibility and effectiveness.

  5. Not All Treatments Covered: Innovative or integrative treatments may not be covered, limiting therapy options.

  6. Difficulty Finding a Therapist: Therapists accepting insurance may be limited, making it challenging to find the right fit.

  7. Insurance Companies Dictate Therapists’ Rates.


Choosing whether to use insurance for mental health therapy involves weighing these factors. Remember that your well-being is the priority, and informed decisions lead to better outcomes.

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