1. Autonomy & Clinical Freedom

Insurance rules can restrict session length and treatment style. Opting out lets Dayna tailor care to each client.

2. Avoiding Administrative Burdens

Fewer claim forms and denials mean more time for therapy.

3. Fairer Compensation

Setting her own fee reflects the work’s true value.

4. More Predictable Income

No surprise claw-backs or months-late payments.

5. Client-Driven Care

Self-pay clients tend to be more committed to the therapeutic process.

6. Avoiding Risk of Burnout

Less paperwork supports a sustainable workload.

Conclusion

This model prioritizes expertise, independence and therapeutic values.

Read more on this trend ↗︎

Look on the back of your insurance card for the Member Services number. When you call, jot down the representative’s name, plus the date and time. Then ask:

1. Does my plan include “out-of-network” benefits for outpatient mental health?

   (If the answer is no, you would be responsible for the full fee and can end the call here.)

2. Is there an annual deductible for out-of-network mental-health services?

   This is the amount you must pay before reimbursement begins.

3. If yes, what is the deductible—and how much of it have I already met?

4. Is there a yearly limit on the number of sessions the plan will cover? If so, how many?

5. Is there a cap on my out-of-pocket expenses each year?

6. What is my co-insurance percentage for mental-health services?

7. Does my plan require pre-authorization for psychotherapy?

8. What is the policy year? (e.g., Jan 1 – Dec 31)

9. What do you reimburse a master’s-level provider for CPT code 90791 (the first visit—a 60-minute session with a 15‑minute formal intake write‑up)?

   My fee: $175.

10. What do you reimburse a master’s-level provider for CPT code 90834 (a 45-minute session with a 10‑minute progress note write-up)?

    My fee: $150.

11. When my provider gives me a superbill, how and where do I submit it to receive reimbursement?

If you have any questions, please let me know—Dayna, 908-907-3636