Understanding Fee-For-Service
An out of network or fee for service practice model means payment is made at the time of service by the client instead of billing insurance directly. If clients choose, they can request a superbill and submit it to their insurance for possible reimbursement (not all insurance companies accept superbills and if they do, reimbursement is not guaranteed). While this places more financial responsibility onto clients, it also offers several benefits that can enhance their experience and outcomes.
Through our work, we have seen that a fee-for-service practice model, versus an insurance-based practice model, offers more benefits than downsides for both clients and therapists, and proves to be more supportive than restrictive. It supports both client and therapist autonomy, contributing to a more effective and satisfying therapeutic experience.
We understand it is not for everyone, but our practice operates on this private pay model, which allows therapy to be directed by clinical judgement and client goals rather than insurance company requirements. This means therapy is guided entirely by you and your therapist – not by insurance company rules and limitations. This approach gives us flexibility in determining how often we meet, the duration and focus of sessions, and ensures that care can evolve naturally as needs change. Without the restrictions that come with insurance driven care, we’re able to keep the therapy process centered on what matters the most – tailored support and overall well-being.
The insurance driven, productivity focused model leaves little room for the holistic, preventive, and patient-centered care that drew us to health care in the first place.
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