Private pay therapy means clients pay directly for their sessions rather than using insurance. This model removes third party restrictions, allowing therapy to be guided by clinical judgment, client goals, and the pace of meaningful change rather than diagnostic codes or session limits.
What Is Private Pay Therapy?
Why We Choose a Private Pay Model
Why We Choose a Private Pay Model
Insurance driven therapy often requires rigid diagnoses, predefined treatment plans, and limited session lengths. While that structure can work for some, it often falls short for clients navigating complex relationships, long standing patterns, leadership pressure, or major life transitions.
Our private pay model allows us to work with flexibility, depth, and discretion. It gives our clinicians the freedom to adapt care as clients grow, without having to justify progress to an outside entity.
Individuals seeking depth oriented therapy rather than symptom only relief
Clients navigating relationship dynamics, identity shifts, or life transitions
Professionals and leaders who value privacy and discretion
Clients who want continuity with their therapist without insurance disruptions
Those who prefer a collaborative, relational approach to care
Who Private Pay Therapy Is Best For?
What You Can Expect From Private Pay Therapy at The Montfort Group
Private pay therapy at The Montfort Group is not about rushing toward solutions. It is about building trust, understanding patterns, and creating space for insight and change over time.
Clients can expect a thoughtful intake process, consistent scheduling, and a therapeutic relationship that evolves with them rather than resetting every few sessions.
Insurance Based Care:
- Diagnosis required
- Limited flexibility
- Session limits and treatment constraints
- Focus on symptom reduction
- No required diagnosis
- Flexible pacing and session structure
- Focus on insight, patterns, and relationships
- Care guided by clinical expertise
Private Pay Therapy:
How Private Pay Therapy Differs From Insurance Based Care
One on one therapy focused on insight, emotional health, and personal growth.
Support for couples seeking stronger connection, communication, and understanding.
A steady, relational approach for clients seeking emotional support and clarity.
Individual Counseling
Couples Counseling
Supportive Therapy
Therapy during seasons of change, uncertainty, or reorientation.
Private, high level support for leaders navigating responsibility and complexity.
Therapy for Life Transitions
Executive Therapy
Private Pay Therapy Services We Offer
Our Plano therapists offer a range of services designed to support different needs and stages of life.
Can I submit private pay therapy to my insurance?
Some clients choose to submit their sessions to their insurance provider for possible out of network reimbursement. Coverage and reimbursement rates vary widely by plan, and reimbursement is never guaranteed. Our team is happy to provide general guidance, but we recommend contacting your insurance provider directly to understand your specific benefits and responsibilities.
We intentionally practice outside of insurance networks so that care is guided by clinical judgment and client goals rather than third party requirements.
Frequently Asked Questions About Private Pay Therapy
Is private pay therapy more expensive?
How do I know if private pay therapy is the right fit for me?
Private pay therapy is not necessarily about higher cost. It is about greater flexibility, continuity, and depth of care. Many clients find that private pay therapy allows them to work more efficiently and meaningfully over time, without interruptions, session limits, or shifts in treatment driven by insurance policies.
Rather than focusing on short term symptom management, our work emphasizes insight, relationships, and sustainable change, which many clients find to be a worthwhile investment in their overall wellbeing.
Private pay therapy tends to be a strong fit for clients who value consistency, privacy, and a collaborative therapeutic relationship. Many people who choose this model are navigating ongoing life transitions, relationship dynamics, leadership pressure, or patterns they want to understand more deeply rather than seeking quick symptom relief.
If you are looking for therapy that is paced thoughtfully, guided by clinical expertise, and not limited by insurance requirements, private pay therapy may be a meaningful option. Our intake process is designed to help determine fit before scheduling so you can move forward with clarity.
Do you provide superbills?
Yes. We can provide superbills upon request for clients who wish to seek out of network reimbursement from their insurance provider. Superbills include the information typically required by insurance companies, though submission and reimbursement remain the responsibility of the client.
Our administrative team can answer questions about this process and help you understand what to expect.
get started
Getting Started With Private Pay Therapy
Choosing private pay therapy is often about choosing intention, depth, and a therapeutic relationship that can grow with you. If you are ready to begin, our team will guide you through the next steps.
