Navigating the cost of therapy can feel confusing, especially when terms like in-network, out-of-network, and self-pay get thrown around.
At Arise Wellness GNV, we believe that understanding your options helps you make the best decision for your mental health, your time, and your finances. Let’s break it down in a clear, honest way.
What Does “In-Network” Mean?
When a therapist is in-network with your insurance, it means they have a contract with your insurance company.
What this usually looks like:
- You pay a copay or coinsurance (often $0–$50 per session)
- Insurance covers the rest (after your deductible, if applicable)
- Your therapist must follow insurance requirements
Things to consider:
- You may need a diagnosis for insurance to cover sessions
- Insurance may limit how often you can attend therapy
- Sessions may require documentation and treatment plans for insurance approval
What Is “Out-of-Network”?
Out-of-network (OON) means your therapist does not have a contract with your insurance but you may still have partial reimbursement.
What this looks like:
- You pay the full session fee upfront
- You can submit a superbill to your insurance
- Insurance may reimburse you a percentage of the cost
Things to consider:
- Reimbursement rates vary widely
- You are still using insurance, so a diagnosis is typically required
- There may be delays in reimbursement
What Is Self-Pay?
Self-pay means you are paying directly for therapy without involving insurance at all.
This also means that some therapists are able to offer sessions at a sliding scale rate.
This is often the simplest and most flexible option.
Why Many Clients Choose Self-Pay
At Arise Wellness GNV, many of our clients intentionally choose self-pay and here’s why:
1. Privacy & Confidentiality
When you use insurance, your diagnosis and treatment details become part of your medical record.
With self-pay:
- No diagnosis is required
- No information is shared with insurance companies
- Your therapy stays fully private
2. More Control Over Your Care
Insurance companies can dictate:
- How long you stay in therapy
- What type of therapy is “approved”
- How often you can be seen
With self-pay:
- You and your therapist decide what’s best
- No arbitrary limits or restrictions
- Your care is tailored—not standardized
3. No Diagnosis Required
Insurance requires a medical necessity diagnosis.
That means even if you’re:
- Burned out
- Navigating life transitions
- Processing relationships
- Wanting personal growth
…you may still be given a diagnosis to justify treatment.
Self-pay allows therapy to be:
- Preventative
- Growth-oriented
- Not pathologizing
4. Higher Quality, Individualized Care
Without insurance constraints, therapists can:
- Spend more time preparing for your sessions
- Use a wider range of approaches
- Focus deeply on your goals
5. Consistency & Flexibility
Self-pay often allows for:
- Easier scheduling
- Fewer disruptions from insurance changes
- Continuity of care, even if your insurance changes
So… Which Option Is Best?
There’s no one-size-fits-all answer.
- In-network can be more affordable upfront
- Out-of-network offers flexibility with partial reimbursement
- Self-pay offers the most privacy, autonomy, and personalized care
At Arise Wellness GNV, we’re here to help you understand your options and choose what feels right for you.
Final Thoughts
Therapy is an investment, in your mental health, your relationships, and your overall quality of life.
Whether you choose to use insurance or self-pay, what matters most is finding care that feels safe, supportive, and aligned with your needs.