4 Reasons Why More Professionals in Winter Park, Windermere, and Across Central Florida Are Choosing to Pay Privately for Therapy (Even When They Have Insurance)
- Tiffany Lowther
- Apr 24
- 3 min read
At Lowther Counseling Services, I understand that how you choose to pay for therapy can be just as personal as the work we do together. While I am in-network with Aetna, many of my clients from Winter Park, Windermere, College Park, and the surrounding Central Florida areas choose to self-pay for their therapy sessions. They often find that this decision offers them greater control, privacy, and flexibility in their care.
If you're a high-achieving professional, entrepreneur, or someone who values premium mental health services, here’s why paying privately for therapy might be the best choice for your emotional well-being and professional growth.
1. Total Privacy & No Required Diagnosis
Using insurance requires most therapists to submit a mental health diagnosis to your insurance company. That diagnosis becomes part of your permanent medical record.
When you self-pay, your therapy remains entirely private. No diagnosis is required. No third-party oversight. No records shared with insurance or employers. No pre-existing conditions. This is especially vital for professionals in finance, law, government, healthcare, tech, or any public-facing role.
2. More Flexibility in Your Care
Self-pay clients often choose this option because they want full control of their therapeutic process. You’re not limited by insurance company rules or session restrictions.
Self-pay allows:
Customized session length and frequency that is the best fit for the client
Focus on growth, transitions, and performance, not just diagnoses
Utilize assessments, screeners and tools to get a baselines and measure growth throughout treatment. To learn more on this, click here.
Access to EMDR, EMDR Intensives, and Recent Traumatic Episode Protocol (R-TEP)—modalities not always covered by insurance
3. Faster Access, No Red Tape
With self-pay, you can avoid the delays that can come with insurance-based care—like limited panel availability or required pre-authorizations. You can:
Start therapy right away
Ability to choose 50 or 80 minute sessions
Maintain a consistent schedule with the ability to set up recurring sessions that best works with your schedule.
This is especially appealing to busy professionals who value discretion, predictability and high-quality support.
4. High-Quality, Personalized Attention
When you choose to invest in private-pay therapy, you're choosing premium, boutique-level mental health care. My clients come from all over Central Florida—including Maitland, College Park, Baldwin Park, Winter Park, and Windermere—and value:
Individualized client care with a personalized approach
A warm, inviting and professional space with easy parking
Access to both In-person and Telehealth Services
A provider with Certification in EMDR and Perinatal Mental Health
A skilled provider with over a decade of clinical experience and training
But What If I Have Aetna?
I do accept Aetna and can walk you through your benefits if that feels like the right fit. If you have out of network benefits and aren't with aetna, I offer a monthly detailed invoice with a diagnosis (superbill) if you wish to submit to your health insurance. If you’d prefer to maintain full privacy and flexibility, I offer an opt-out consent form so you can self-pay without using your insurance benefits. We can work together to decide what best supports your needs and values.
Ready to Take the Next Step?
Therapy should feel empowering and effective. Whether you're seeking premium self-pay therapy in Winter Park, private EMDR intensives in Windermere, or private virtual sessions anywhere in Florida, I’d be honored to work with you and discuss more to make sure I'm the right fit for your goals.
📞 Contact us now to schedule or set up a free 15 minute consultation to explore your options and start building toward the life you want—on your terms.
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