Why choose self-pay for services?

At Trifecta Health, we believe that mental health care should be accessible, confidential, and truly centered on you. While many clients use insurance to help cover treatment costs, others find that self-pay offers greater flexibility, privacy, and control over their care.
​Below, we outline some of the key benefits of choosing self-pay for counseling services.

Greater Privacy and Confidentiality

When you use insurance, your provider must submit a mental health diagnosis and sometimes detailed clinical notes to justify ongoing treatment.
With self-pay, your information stays between you and your provider.
No diagnostic labels are shared with insurance companies, and your records remain private — especially valuable for clients in sensitive professions, those seeking couples or family counseling, or those who simply value discretion.

Freedom from Insurance Limitations

Insurance companies often limit the number of covered sessions, restrict treatment types, or require prior authorization for continued care.
Self-pay clients enjoy complete freedom in choosing:

• The length and frequency of sessions
• The therapy approach that best fits their needs
• The goals and timeline for treatment — without third-party interference

You and your provider decide what’s best for your healing, not the insurance company.

Flexible and Transparent
​Pricing

Our practice offers clear, upfront rates and simple payment options — no surprise bills or denied claims.
Many clients find that the peace of mind and freedom that come with self-pay are well worth the investment in their mental health.
In some cases, you may also use Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) to pay for sessions, combining flexibility with financial convenience.

Quality of Care and Provider Choice

Insurance networks often restrict which providers you can see or require you to switch providers when coverage changes.
With self-pay, you have full control over your provider choice — and the ability to continue therapy even if your job, plan, or insurance status changes.
This ensures continuity of care and a long-term, trusting relationship with your therapist.

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