Therapy is a great way to deal with anger, anxiety, and other daily stressors. Due to strict regulations, most insurance plans make it hard to get treatment. This is why some patients opt for self pay therapy. Here are various ways to go about it:
Why Choose Self Pay Therapy?
Self pay is a fixed amount determined by your therapist. The cost often depends on their experience levels, training, and certifications. With a self pay plan, you pay for the services out of pocket instead of through insurance.
With self pay therapy, your medical information is only accessible to your therapist. You can discuss the most suitable treatment plan with your therapist.
When paying out of pocket, you enjoy enhanced privacy. You can choose your preferred therapist and plan sessions with your therapist. For therapists, self pay eliminates the complex insurance claim process. This allows them to determine their preferred rates and choose their clients.
How Do I Pay for Self Pay Therapy?
Most electronic health records have a portal, allowing you to pay using a credit or debit card. Therapists often also accept cash or check payments. You can also pay using your health savings. In some facilities, therapists offer sliding scale plans. These make the services more affordable and accessible for clients. Here are the various self pay methods:
Cards are easy and convenient to use, making therapy more accessible. If you have scheduled therapy sessions and don’t have adequate funds, you can use your credit card. Most therapists accept credit card payments through smartphones, which makes it easy for patients. Discuss with your therapist to determine whether you can pay with your credit or debit card.
Health Savings Account
Health savings accounts (HSAs) are a great way to save on medical expenses. Most employers encourage workers to have a health savings account. They then deduct a certain amount each month before taxation. The money stays in a fixed savings account. You can’t withdraw it unless you need to use it to pay for therapy and other medical expenses.
Since you contribute your money before paying taxes, it is tax-free. You should only bill medical expenses under your health savings account. If you don’t, you may be penalized for non-qualified costs.
A check payment is a convenient and secure way to pay for therapy sessions. You don’t have to carry huge sums of money when attending therapy sessions, making it a safe payment method.
It makes it easy to track your spending, allowing you to manage treatment expenses. With this payment method, you don’t have to worry about interest rates or late fees. All you need is to write a check and include the right details. These details include the amount you wish to pay, the date, and the therapist’s name or facility.
Sliding Scale Fees
The cost of therapy sessions can deter patients from seeking help. Some therapists offer reduced rates to low-income patients. A reduced fee option is sliding scale therapy. It allows patients to access treatment at an affordable fee.
With this payment option, you pay as per your financial ability. If you don’t have an insurance plan or cannot afford a deductible, talk to your therapist. They may offer services at a reduced fee or free sessions.
Get Help Today
Whether you struggle with anger, anxiety, depression, or low self-esteem, there’s hope for accessing help. You can still try therapy and opt for the self pay option and pay using your credit card, health savings, or payment checks. Enroll in therapy sessions and enjoy the flexibility associated with self pay.