Care without Compromise.
Personalized Care Beyond Insurance Limits
At Balanced Collective, we view mental health care as a deeply personal and empowering journey—one that deserves flexibility, privacy, and full attention to your unique needs. By choosing to invest in therapy without going through insurance, you’re creating space for truly individualized care, free from external limitations or required diagnoses. This direct approach allows us to focus entirely on what matters most: your growth, healing, and the goals that are meaningful to you. We believe that when you take ownership of your well-being in this way, it not only enhances your therapeutic experience—it becomes a profound act of self-respect and commitment to the life you want to build.
The benefits of private pay
BENEFITS OF PRIVATE PAY
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By opting out of using insurance, you have more freedom in choosing your clinician. You aren’t limited to in-network providers and can select someone whom you feel a genuine connection with, which can be vital in the therapeutic process.
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Insurance companies often require a diagnosis for reimbursement, which can lead to sensitive information being shared with third parties. By paying out-of-pocket, you can maintain a higher level of privacy regarding your mental health treatment, allowing you to feel more secure in your therapeutic journey.
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Without the constraints imposed by insurance billing, we can create a treatment plan that is uniquely tailored to your individual's needs rather than what is deemed "medically necessary" by the insurance company. This can lead to a more personalized and effective therapy experience.
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Insurance plans can sometimes impose limitations on the number of sessions covered or require pre-approval for ongoing treatment. Without these constraints, you can engage in therapy as needed, without the stress of worrying about session limits or authorization.
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When transactions occur directly between the client and clinician, it can foster a stronger therapeutic relationship. The dynamics of the session can remain focused on the your needs without the intrusion of insurance protocol.
Do you take insurance?
All Balanced Collective therapists are considered Out of Network (OON) which means we do not take insurance.
Depending on your insurance plan, you may be eligible to receive full or partial reimbursement for healthcare fees paid to OON providers (like us). When using OON benefits, you pay treatment fees directly to the provider at the time of service, and then may pursue reimbursement from your insurance carrier. To learn more about your potential OON benefits, we recommend that you call your insurance carrier and ask them these questions:
What is my Out of Network coverage?
Do I need to meet a deductible before using Out of Network coverage, or can I start now?
If I were to pay $250 for a therapy session, how much would you reimburse? (typical therapy CPT codes to ask about are 90847, 90846, & 90834). An intake code of 90791 would be used for the first session.
We will happily provide you a monthly super bill upon request.
What is a “Super Bill”
A super bill is a detailed receipt for health services that were paid out of pocket. It includes the date of services, procedure codes to clarify which exact services you received, amount paid, and any diagnosis that you have been diagnosed with by the provider. We provide monthly super bills to any client who requests them. If you choose this option, we will need to render a diagnosis.
What forms of payment are accepted?
Balanced Collective accepts all major credit/debit cards, flexible spending accounts (FSA), and health savings accounts (HSA). It is your responsibility to check with your flexible spending or health savings account to verify mental health therapy services are covered.
Online payment only and must be paid at the time of service.
