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Choosing Between Self-Pay and Insurance for Your Mental Health Care

When it comes to seeking mental health care, one of the crucial decisions you'll need to make is how to pay for it. At iTrust Wellness, we understand that financial considerations are a significant part of your healthcare journey. To help you make an informed choice, let's explore the factors to consider when deciding between self-pay and insurance.

Understanding the Terms


Self-pay, also known as private pay, means covering the cost of your mental health care directly out of your own pocket. With iTrust Wellness, our self-pay rates are $129 for the initial appointment and $99 for follow-up sessions. This option provides flexibility and simplicity in managing your payments.


Many individuals have health insurance plans that may cover a portion of their mental health care expenses. When using insurance, you're essentially leveraging your policy to help offset the costs of treatment. However, it's essential to understand the ins and outs of your insurance plan before proceeding.

Key Terms Explained
  • Deductible: This is the amount you must pay for healthcare services before your insurance starts to contribute.

  • Copayment (or Copay): This is a fixed amount you pay for a specific service, like a doctor's visit or medication.

  • Coinsurance: This is your share of the costs of a healthcare service, usually expressed as a percentage.

Simple Examples
  1. Deductible: If your deductible is $1,000, you will have to pay for the first $1,000 of medical expenses before your insurance kicks in.

  2. Copay: If your copay for a doctor’s visit is $25, you pay that amount each time you see a doctor.

  3. Coinsurance: If your coinsurance is 20%, after meeting your deductible, you would pay $20 for every $100 of your medical bill.

The Decision-Making Process

  1. Evaluate Your Finances: Begin by assessing your financial situation. Calculate your budget and determine how much you can comfortably allocate to mental health care.

  2. Review Your Insurance: If you have insurance, carefully review your policy. Pay close attention to the mental health services coverage and associated costs. Consider calling your insurance provider to get more detailed information. Gathering this information will help you estimate your potential out-of-pocket expenses more accurately. Here are some questions to ask them:

    1. What is my deductible, and how much have I met so far?

    2. Is iTrust Wellness in-network for my plan?

    3. What is my copay for behavioral health visits?

    4. Do I have coinsurance, and how is it calculated?

  3. Compare your expected costs: With all your insurance information in hand, calculate the total expected expenses for both insurance and self-pay over the year so that you can make an informed choice. Be sure to consider:

    1. How many appointments do you expect to have in a year?

    2. What's your deductible?

    3. What's your copay?

    4. Do you have coinsurance?

  4. Consult with iTrust Wellness: Reach out to us to discuss your options by calling or texting 864-520-2020. Our billing team can provide guidance tailored to your specific situation, helping you make an informed decision.

Factors to Consider

1. Financial Situation

Consider your current financial situation. Are you comfortable with the self-pay rates offered by iTrust Wellness? Can you afford these fees without causing financial strain? Alternatively, does your insurance plan cover mental health services adequately?

2. Insurance Coverage

Review your health insurance policy to determine if mental health services are included in your coverage. Check for any limitations, such as copayments, deductibles, or maximum annual benefits. Understanding these details will help you estimate your potential out-of-pocket expenses.

3. Provider Network

If you have insurance, ensure that the mental health professionals you wish to see are within your plan's network. Going out-of-network may result in higher costs. With self-pay, you have the freedom to choose your provider without network restrictions.

4. Confidentiality

Consider the level of confidentiality that each payment option offers. When you self-pay, your mental health records are not shared with insurance companies, potentially providing more privacy. However, insurance claims may become part of your medical history.

5. Administrative Hassles

Think about the administrative burden of each option. Self-pay is straightforward and typically involves less paperwork. On the other hand, using insurance may require pre-authorization, claim submissions, and adherence to specific procedures.

Remember that the choice between self-pay and insurance ultimately depends on your unique circumstances and preferences. iTrust Wellness is here to support you in your mental health journey, regardless of your chosen payment method.

If you're ready to take the next step, click here to fill out our self-referral form and start on your path to mental wellness.


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