• Kelly Hurley

Benefits of Not Using Insurance

Updated: Sep 8

Thank you for taking the time to understand the benefits of not using insurance.


  • I chose not to work with insurance companies so that I can focus on providing thorough and confidential services for you that meets your needs without forced treatment plans/goals from the insurance companies.


  • Not working with insurance companies gives me the ability to use evidenced-based methods founded in research and not dictated by insurance companies who are concerned with their bottom line and not your healing process.

  • Insurance companies take up an enormous amount of my time, energy and resources to deal with. I would rather spend my time, energy and resources on helping you heal in the most effective and efficient way possible.

  • Some of the services I offer are not covered by many insurance companies such as Career Coaching, Business Mentoring.

  • In order to be paid through insurance, I am required to submit a mental health diagnosis to attest that you have a ‘disorder.’ And while at times identifying certain diagnoses may be beneficial to treatment planning, I do not believe that all clients are disordered and do not want to attach such to your health record.

  • Some insurances require that deductibles are met prior to insurance benefit disbursement. Often, deductibles are between $1,000-$10,000 dollars and are unmet at the time we see you. This requires you to be billed out of pocket for counseling expenses until that deductible is met anyway.

  • Insurance companies provide a narrow list of approved clinicians, effectively disempowering your ability to choose whom to trust with your counseling needs. The therapeutic relationship is the #1 predictor of positive counseling outcomes and therefore your ability to choose your provider is a vital piece to ensuring that you reach your goals.

  • Many clinicians with advanced skills are not listed as providers on your insurance. If you need specialized services, chances are you will be working with someone who is not on your insurance (this goes back to empowering you to make the choice of whom you would like to work with).

  • NOTE: Superbills can be provided at your request. These forms are completed by me and submitted by you to your insurance company for possible reimbursement of counseling services. Please check with your insurance company prior to beginning counseling to ensure coverage and to learn what reimbursement, if any, will be provided to you by insurance.

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