Fees and Insurance
Why We Don’t Accept Insurance — and What That Means for Your Child’s Care
We get this question a lot, and it’s a great one. As a pediatric practice, your child’s wellbeing comes first, and we want to explain—simply and clearly—why we choose not to work directly with insurance companies.
Why Private Pay?
Your Child’s Privacy Stays Protected
When insurance is involved, therapists are required to share personal details about your child’s symptoms, behaviors, and progress.
By staying out-of-network, your child’s information stays between you and your clinician—not in an insurance system.
No Required Diagnosis on Your Child’s Medical Record
Insurance companies usually require an official mental-health diagnosis before they’ll cover sessions.
But many families come to us for things like:
- school stress,
- behavior challenges,
- anxiety that comes and goes,
- family transitions,
- or help building skills and confidence.
Many of these situations don’t need a formal diagnosis, and avoiding that label can be important for a child’s long-term privacy.
We Set the Pace Based on Your Child—not Insurance Rules
Insurance often limits:
- how long sessions can be,
- how many sessions a child can have,
- what type of therapy is “approved”
- what type of testing measures are "approved"
Kids don’t fit neatly into those boxes. By not taking insurance, we can slow down, speed up, or adjust based on what your child truly needs—not what an insurance policy dictates.
More Time Focused on Helping Your Child
Insurance requires long hours of paperwork, treatment justifications, and phone calls.
By avoiding that system, we get to put our time and energy exactly where it belongs: preparing thoughtful sessions, planning strategies, talking with you, connecting with collateral contacts, and supporting your child.
Flexible and Responsive Care for Families
Every family’s needs are different, and they can change quickly. Without insurance restrictions, we can:
- offer flexible scheduling,
- adjust session frequency,
- identify ideal times for testing session durations,
- coordinate with schools when appropriate,
- and use the approaches that best support your child.
You get care that’s personalized and responsive—not limited by red tape.
Can You Still Use Your Insurance Benefits?
Often, yes. Many families use their out-of-network benefits to get reimbursed for part of the session fee. We can provide a superbill you can submit to your insurance company.