Private Pay
Higher upfront cost
Choose any provider, including specialists
No diagnosis or session details sent to insurance
No session limits or insurance restrictions
Often shorter wait times
No claims, authorizations, or denials
Using Insurance
Lower immediate cost through copays or coinsurance
Limited to your insurance network
Diagnosis and treatment become part of insurance records
Coverage rules and treatment limitations may apply
Waitlists may be longer for in-network providers
May require authorizations, claims, and approvals