Using insurance for mental health services is a very personal choice, and it's important to know both the risks and benefits involved so that you can make a decision that best suits you. Confidentiality is a fundamental element of effective therapy. Managed-care insurance companies do require disclosure of information about you, your history, and your progress in therapy. Some insurance plans limit the number of sessions based on this information. Additionally, they require that you are given a mental health diagnosis to receive coverage, even if your situation doesn't warrant this diagnosis.

However, using insurance can make therapy more affordable, which can be a big help when longer-term therapy is necessary. Again, using health insurance is a personal choice and your decision will in no way impact the quality of care you receive from your therapist.