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Writer's picturewclarekramer@gmail.com

Insurance or pay out of pocket.

Updated: Mar 2, 2021

Many people automatically think that they cannot afford counseling services if they do not have insurance. I challenge you to think differently.

Lets be honest, the system does not have your best interest in mind. They want to make profits and minimize as much spending as they can. Thats why mental health is minimized, discouraged and sometimes not covered. I am considered a "specialist" and your copay is higher, even though I am reimbursed a tiny fraction of what your doctor earns.

Mental Health counselors are the unwanted stepchild of the health care industry.


Let me explain why paying for your session can be better for you.


I follow the same ethical guidelines as defined by the state licensing board.

Your sessions, however, are not scrutinized by a third party.

Your personal health information never leaves the safety of my HIPAA compliant and secure electronic health system.

I am not held to specific treatment methods on a list, that the insurance company uses to routinely deny payments.

I do not have to assign you an accepted diagnosis that will stay on your medical record, perhaps affecting future employment or current employment.


Many kinds of therapy are not even covered, such as grief counseling and couples counseling, which are not considered to be mental health issues requiring a medical provider. Without the middleman, there are no hassles for either of us. We can create a plan for a finite number of sessions, and this can help motivate both of us to work harder and accomplish goals, as well as create a more holistic and practical plan that reflects your actual needs. Give me a call with any questions!







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