Insurance vs. Self Pay?

                            Considerations for Using Health Insurance for Mental Health Care:

Pros:

1. Cost-Effective: If your provider is covered, using insurance can be cost-effective.
2. Utilizing Benefits: If you have insurance, it makes sense to make the most of your benefits.

Cons:

1. Privacy Concerns: Using insurance may compromise privacy between you and your therapist.
2. Confidentiality Sacrifice: Insurance companies may ask for personal information affecting your confidentiality.
3. Diagnosis Disclosure: You'll receive a mental health diagnosis on your permanent medical record.
4. Session Limits: Insurance may limit the number of sessions allowed per year.
5. Changing Plans: Your therapist might not be covered if your employer changes insurance plans.
6. Marital Therapy Coverage: Insurance rarely covers marital or relationship therapy.

​Alternatives:

1. Financial Flexibility: Consider adjusting session frequency or duration based on affordability.
2. Therapy Purpose: Therapy is not just about treating mental illness; it can be a tool for personal growth.

Insurance Panel and Rates:

• 4Thought Counseling is on panel with Aetna, Anthem, Blue Cross/Blue Shield, Humana, and United Health Care.
• Offers Out of Network (OON) Benefits with Cigna.
• Insurance may cover in-person sessions, and during the pandemic, Telehealth sessions are considered.
• Self-pay rates range from $90 for 30 minutes to $425 for 3 hours.

Opting Out of Insurance:

• Complete and sign form opting out of insurance. 
• Revocation option available if you change your mind.

Feel free to reach out if you have any questions or need further clarification!

Telehealth Sessions Available ​In Georgia and South Carolina
Offering Services on GrowTherapy, Headway, Teladoc and Amwell. ​

404-625-3031
[email protected]

In case of an emergency please contact your local hospital,
call 911 or the National Suicide Prevention Lifeline: 1-800-273-8255

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