I encourage my clients to pay their own fees, whenever possible, and I discount the fee I charge to clients willing and able to do so. About half of my clients pay their own fees, instead of asking me to bill their health insurance companies.
Many people are extremely dissatisfied with mental health services provided by their HMOs.
Some HMOs refuse to reimburse independent doctors in private practice. Kaiser Health Plan is a local example. Omni Health Plan has been a local example. Health insurance companies do not properly protect your privacy. Most health insurance companies require me to report a great deal of personal information about you.