After having determined the therapist’s experience is sufficient, you’ll want to consider your payment options. With the passing of additional state laws and increased understanding of mental health disorders, insurance companies are more and more likely to include mental health care in their policies, such as those eligible to see a Medicaid therapist. Of course, every policy differs, so you’ll want to talk with your insurance company about what’s covered and what’s not. Moreover, financial backing from an insurance company will allow you to choose a counseling service based on its quality rather than its cost.

But what if the therapist doesn’t accept my insurance policy? Most counselors will accept private pay (i.e. paying out of pocket) for their therapy sessions. While it may be initially more impactful on your wallet, it also means that you’re guaranteed ultimate confidentiality since your counselor will not be required to share potentially sensitive information from your therapy session with your insurance company. Additionally, paying out of pocket grants you the freedom to seek behavioral health services without having been diagnosed with a pre-existing condition. Otherwise, insurance often requires such a diagnosis which can limit your therapist’s treatment options as well as increase your insurance premiums. Moreover, considering the pros and cons of your payment options can help be a deciding factor in your decision.