The Pros and Cons of Using Insurance for Therapy

Insurance has real financial upside. It also comes with trade-offs that rarely get mentioned out loud until you're already in it and committed.

Here's the one that surprises people most: to bill insurance, your therapist typically has to assign you a mental health diagnosis for coverage — even if what brought you in was stress, a life transition,  a pattern you're noticing and ready to break, or a general sense of "why do I keep doing this to myself?" rather than a clinical disorder.