top of page
Image by Vlad Deep

Understanding the Choice to Not Accept Insurance

Reduced Ability to Choose

Most health care plans (insurance, PPO, HMO, et cetera...) offer little coverage and/or reimbursement for mental health services.


Most HMOs and PPOs require “pre-authorization” before a client can receive services. This means a client must call the company and justify why they are seeking therapeutic services in order to receive reimbursement. The insurance representative - who may or may not be a mental health professional - will decide whether access to chosen services will be granted.


If authorization is given, a client is restricted to seeing only the professional providers on the insurance company’s list.


Reimbursement is reduced if a client chooses a provider who is not on the contracted list; consequently, clients' choice of providers is significantly restricted.


At Recovery Zone Counseling, clients' autonomy and right to choose their own fit for provider is encouraged - most especially when it comes to mental health!

bottom of page