Rates & Insurance
Insurance or Self-Pay: Which is Right for You?
At Tennessee Mental Wellness, we are committed to providing excellent mental health services for the Tennessee community. Which service is right for you?
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Insurance Services |
Self-Pay Services |
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Lower Costs. Insurance covers most treatment expenses, reducing out-of-pocket payments |
Pay the full session fee. Credit card, cash, or HSA/FSA cards accepted |
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Skilled Clinicians. However, not all clinicians at TNMW accept Insurance |
Skilled Clinicians & More Choice. Freedom to select any provider without network restrictions |
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Diagnosis Required. Diagnoses stays on your permanent medical record |
No diagnosis required |
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Waitlist likely to meet with therapist |
Immediate availability |
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Possible treatment restrictions. Some insurances determine the number of sessions and type of treatment you can receive |
More personalized care. You and your therapist set the session frequency and treatment approach based on your goals and preferences, ensuring personalized care without restrictions. |
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More potential for breaches in privacy with insurers and third-party billers. |
Greater Privacy: Fewer third-party disclosures and no claims processed by insurers, offering more confidentiality. |
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Approvals and/or referrals sometimes required for mental health treatment |
No Approval Needed: Direct access to care without needing referrals or pre-authorization. |
Save Money on Out-Of-Network Therapy Sessions
We've partnered with Mentaya, a platform that helps clients get money back on out-of-network therapy sessions and skip the hassle of insurance claims. To see if you qualify, click the button below:
Three Reasons We Don’t Take Insurance
Our mission is to help you grow and change in a safe environment where your confidentiality and goals for growth are protected. Counseling can be a vulnerable experience, and aspects of working with insurance companies may undermine the safe environment we fiercely seek to protect. These are the reasons why we do not accept insurance:
Reason #1: It’s Not Confidential
In order to have insurance cover counseling, we have to diagnose you. Even if it’s not appropriate, there has to be a diagnosis. For example, if someone seeks counseling for help adjusting to a new life event, or for help creating and maintaining a healthier lifestyle, they would need a diagnosis for it to be covered by insurance. The diagnosis would remain on your permanent medical record. We, along with many therapist colleagues, feel everyone should have access to counseling, not just those who qualify for a diagnosis. We want you to get help without having to have a diagnosis!
Reason #2: You Have to Be Diagnosed
If we were to work with insurance companies, we would be required to disclose information to a third-party insurance or technology company (for the Electronic Medical Records), and this creates increased risk of your information being compromised. Additionally, if you ever need a federal background check, want to be a pilot, or for a variety of other reasons, a diagnosis can be disclosed through your insurance company. We want you to have the most confidential counseling!
Reason #3: They Decide Your Treatment
Insurance companies decide treatment. They determine the number of sessions and the frequency. We believe this should be a collaborative decision between the you and your therapist. Sometimes you need shorter sessions or longer ones. Maybe you need them twice per week or once per month. Our clients enjoy the freedom to choose what treatment is best along with their therapist. We want you to get the best quality of counseling treatment!
TO SCHEDULE AN
APPOINTMENT DIRECTLY
To make an appointment, please click this link for available times:
