I am a provider for several insurance companies. However, there are many good reasons to pay out of pocket for your sessions:
- Privacy. No 3rd party will have access to any details of your treatment or even the fact that you are in treatment.
- No diagnosis. All insurers demand a diagnosis for reimbursement.
- Insurance companies often put a cap on the number of sessions allowed.
For more about this see my blog post: http://lornahecht.com/2012/04/26/should-i-use-my-health-insurance-to-pay-for-therapy/