Insurance and Fees

We understand that navigating insurance and fees can be stressful. At Mosaics Counseling, we work with a variety of insurance providers in addition to offering private pay rates. We are also a teaching practice and partner with universities to host graduate student interns who can offer low fee rates to help make therapy accessible to Lake Mary and Central Florida clients.

Benefits of Private Pay
_{Private pay allows us to prioritize your care, your privacy, and your goals without outside limitations.}

• Greater Privacy & Confidentiality: When you use insurance, a mental health diagnosis is required and becomes part of your permanent medical record. With private pay, your care stays between you and your therapist- no diagnosis required and no information shared with insurance.
• No Restrictions on Care: Insurance companies can limit the number of sessions, require documentation, or determine what type of therapy is "medically necessary." Private pay allows us to focus fully on what you need, for as long as you need it.  
• Personalized, Flexible Treatment: Without insurance constraints, your therapy can be tailored to your goals- not dictated by billing codes or policies.
• No Diagnosis Required: Not everyone seeking therapy meets criteria for a mental health diagnosis- and that's okay. Private pay allows you to access support for personal growth, stress, parenting, relationships, or life transitions without being labeled.
• More Control Over Your Care: You decide the frequency of sessions, the pace of treatment, and when to start or stop- without needing approval from a third party.
• Reduced Administrative Hassle: No dealing with insurance approvals, claim denials, or unexpected coverage changes. This creates a smoother, more predictable experience.
• Potential for Out-of-Netowkr Reimbursement: If your insurance plan includes out-of-network benefits, you may be eligible for partial reimbursement. We can provide you a superbill for you to submit to your insurance company.

Ready to get started? Contact us today and schedule your first session.