--- title: Why Pay Privately for Psychiatry When Your Family Already Has Health Insurance? description: Already insured? See when paying privately for psychiatry makes sense, how deductibles work, and what one physician's time means in Houston and across Texas. image: https://www.healthandharmonypsychiatry.com/hubfs/why-pay-privately-for-psychiatry-social.jpg --- [Skip to content](https://www.healthandharmonypsychiatry.com/blog/why-pay-privately-for-psychiatry#main-content) [![TB-Decorative-Horizontal-H&H-P-Logo](https://www.healthandharmonypsychiatry.com/hs-fs/hubfs/TB-Decorative-Horizontal-H%26H-P-Logo.webp?width=1709&height=962&name=TB-Decorative-Horizontal-H%26H-P-Logo.webp)Homepage](https://www.healthandharmonypsychiatry.com/) - [Care for You](https://www.healthandharmonypsychiatry.com/conditions) - [Women’s Mental Health](https://www.healthandharmonypsychiatry.com/conditions/womens-mental-health) - [Anxiety](https://www.healthandharmonypsychiatry.com/conditions/anxiety) - [Burnout](https://www.healthandharmonypsychiatry.com/conditions/burnout) - [Depression](https://www.healthandharmonypsychiatry.com/conditions/depression) - 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[Care for Your Child](https://www.healthandharmonypsychiatry.com/services/child-adolescent-psychiatry) - [Child and Adolescent Psychiatry](https://www.healthandharmonypsychiatry.com/services/child-adolescent-psychiatry) - [Children, Ages 6 to 10](https://www.healthandharmonypsychiatry.com/services/child-psychiatry) - [Teens, Ages 11 to 17](https://www.healthandharmonypsychiatry.com/services/teen-psychiatry) - [ADHD in Children](https://www.healthandharmonypsychiatry.com/conditions/adhd-in-children) - [Meet Dr. McDade](https://www.healthandharmonypsychiatry.com/about) - [How Care Works](https://www.healthandharmonypsychiatry.com/services) - [Your First Evaluation](https://www.healthandharmonypsychiatry.com/services/psychiatric-evaluation) - [Medication Management](https://www.healthandharmonypsychiatry.com/services/medication-management) - [Telepsychiatry](https://www.healthandharmonypsychiatry.com/telepsychiatry) - [Services and Fees](https://www.healthandharmonypsychiatry.com/services) - [Learn](https://www.healthandharmonypsychiatry.com/blog) - [Learn with Dr. McDade](https://www.healthandharmonypsychiatry.com/blog) - [Psychiatry Glossary](https://www.healthandharmonypsychiatry.com/glossary) - [Refer a Patient](https://www.healthandharmonypsychiatry.com/refer-a-patient) - [How Referrals Work](https://www.healthandharmonypsychiatry.com/refer-a-patient) - [For Therapists](https://www.healthandharmonypsychiatry.com/refer-a-patient/therapists) - [For Physicians](https://www.healthandharmonypsychiatry.com/refer-a-patient/physicians) - [For Pediatricians](https://www.healthandharmonypsychiatry.com/refer-a-patient/pediatricians) - [For OB-GYN and Menopause Clinicians](https://www.healthandharmonypsychiatry.com/refer-a-patient/ob-gyn-and-menopause) [Schedule My Visit](https://www.healthandharmonypsychiatry.com/book-an-appointment) ![](https://www.healthandharmonypsychiatry.com/hs-fs/hubfs/why-pay-privately-for-psychiatry-social.jpg?width=1200&height=630&name=why-pay-privately-for-psychiatry-social.jpg) # Why Pay Privately for Psychiatry When Your Family Already Has Health Insurance? ![Dr. Allison J. McDade, MD](https://www.healthandharmonypsychiatry.com/hs-fs/hubfs/dr-allison-mcdade-author.webp?width=48&height=48&name=dr-allison-mcdade-author.webp) Dr. Allison J. McDade, MD November 3, 2026 - Medically reviewed November 2, 2026 - Updated November 2, 2026 Maybe you've sat at the kitchen table after everyone else is asleep, adding up what your family already pays for health insurance. Paying a psychiatrist on your own can feel like paying twice. Or maybe you've used your plan before and run into a deductible you didn't plan for, or a plan change that meant a new doctor and your story told again from the start. And maybe your own care keeps landing at the bottom of the list, after everyone else's. You deserve clear numbers, and a physician with time for your whole story. This guide lays out the numbers, so the choice is yours. The answer **Private pay can make sense when time with one physician matters most to your family.** Your health plan stays in place for the rest of your care. At Health & Harmony, you pay for each visit with Dr. McDade directly, at two posted rates. With your plan, you may pay the full allowed amount for each covered visit until your deductible is met. Many plans pay for some services sooner, so ask yours. **Know your numbers first, then choose what fits your family.** Her story explains [why Dr. McDade built a different model of care](https://www.healthandharmonypsychiatry.com/why-a-different-model). ## What does your family's insurance pay for? Your plan pays for covered care by its own rules. The premium is the plan's monthly price, and with a plan through a job, you and your employer share it. On top of it, you usually pay a deductible, copays, and coinsurance, HealthCare.gov explains. The most you pay for covered in-network careYour out-of-pocket limit Paid firstYour deductibleWhat you pay for covered care before your plan starts to pay Paid afterCopays and coinsuranceA set amount or a share of each covered service, while your plan pays the rest Once you reach the limit, your plan pays the full cost of covered in-network care for the rest of the plan year. Adapted from HealthCare.gov's glossary. Your plan also has a network, the providers it has contracted with, and an allowed amount, the most it will pay for a covered service. **Your premium buys coverage. For most care, you pay your deductible first.** ## Why can a family with insurance still pay the full cost of a visit? Because of the deductible. Before you meet it, you may pay for a covered visit yourself, at your plan's allowed amount. After you meet it, you usually pay a copay or coinsurance, and your plan pays the rest. What you pay for a $100 doctor visit, in HealthCare.gov's examples - Before your deductible is met$100 - After it is met, with a $20 copay$20 - After it is met, with 20% coinsurance$20 From HealthCare.gov's glossary, where the plan allows $100 for the visit. Your plan's amounts and rules may differ. In 2026, 88% of workers with single coverage had a deductible that must be met before most services are paid for, KFF found. Many plans pay for some services sooner, like a checkup, HealthCare.gov notes. **Until your deductible is met, a covered visit can cost the full allowed amount.** ## What does a family plan through a job cost in 2026? Family coverage through a job averaged $28,303 a year in premiums in 2026, KFF's survey found. That counts what you and your employer pay together. The most common kind of plan is a preferred provider organization (PPO). A PPO lets you see providers outside its network for an additional cost, HealthCare.gov explains. - $28,303The average yearly premium for family coverage, you and your employer together - $7,471What workers paid each year, on average, toward family coverage - 50%Of covered workers are in a PPO, the most common kind of plan From KFF's 2026 Employer Health Benefits Survey. Both dollar figures average family plans of every type. Those are real dollars, and it makes sense to want them to work for you. Each paycheck covers part of that premium. Family plans often have a deductible for each person and one for the whole family, HealthCare.gov notes. Your plan can tell you what is left on each, and its allowed amount for a [psychiatric evaluation](https://www.healthandharmonypsychiatry.com/glossary#psychiatric-evaluation) and a follow-up visit. **The allowed amount is the number to ask your plan for.** ## What does private pay make possible here? Time with one physician. Private pay, also called self-pay or cash pay, means you pay the practice directly for each visit. Dr. McDade sees every patient herself, because that is the work she trained for. Your first visit needs time, space, and connection, so she sets aside room for your whole story. That first evaluation looks at your medical history, your symptoms, and the stress in your life right now. So bring what seems unrelated, like sleep, a recent illness, or a hard season at work. After that, your story carries forward, and each follow-up builds on what she already knows. You pay the practicePrivate pay You pay for each visit directly, at two posted rates. With What stays the sameOne physician Every visit is with Dr. McDade. Making room for Your first visitTime for your whole story A first evaluation of 60 to 90 minutes, with room to connect and consider. Every visit afterA physician who can stay The same physician when your job or your plan changes. If you fill a prescription through your health plan, the plan's rules still apply, and some prescriptions need its approval first. When one does, Dr. McDade calls and helps however she can, as part of her standard fees. **One physician, with time for your whole story.** If you need help now If you are in crisis or thinking about suicide, call or text 988 or chat at [988lifeline.org](https://988lifeline.org/) to reach the 988 Suicide and Crisis Lifeline. If you are Deaf or hard of hearing, use your preferred relay service or dial 711, then 988. In an emergency, call 911 or go to the nearest emergency room. This practice does not provide emergency services. You've done the math for everyone. Now the time is yours. [Find Care That Understands Me](https://www.healthandharmonypsychiatry.com/book-an-appointment) ## When does using your plan make more sense? When your plan already meets your needs. Both paths are reasonable. HealthCare.gov notes two limits on care outside your network. It doesn't count toward your plan's in-network out-of-pocket limit. And health maintenance organization (HMO) and exclusive provider organization (EPO) plans generally cover it only in an emergency. Your plan may fit better when - Your deductible is met, or nearly met - A psychiatrist in your network suits you and is taking new patients - You want each visit to count toward your in-network out-of-pocket limit Private pay may fit better when - Time with one physician matters most to you - You want the same physician through a job or plan change - You want a posted price for every visit You can also use both, your plan for your family's other care and private pay for your time with Dr. McDade. **Choose the path that fits what matters most to your family.** ## What should you ask your plan before you decide? These five questions fill in the numbers this guide leaves blank. Set the answers beside the two posted rates below. Questions to ask your plan first - Which psychiatrists in your network are taking new patients? - What is my deductible, and how much of it is left this year? - Is a visit with a psychiatrist covered with a copay before my deductible is met? - What do you allow for a psychiatric evaluation and a follow-up visit? - Do you offer out-of-network mental health benefits? If your plan fits better, start with its directory of psychiatrists. **A fair choice starts with your plan's own answers.** ## Can you use an HSA or FSA? Yes. You can pay for your visits with a card from a health savings account (HSA) or a flexible spending account (FSA). Psychiatric care counts as a medical expense under IRS Publication 502. FSAs are generally use-it-or-lose-it plans, the IRS notes. Ask your account's provider what it covers, and keep each receipt. If your plan pays you back Tell your account's provider and ask what to do. HSA money is tax free only for medical costs insurance hasn't paid. Other uses are taxed and may carry an extra tax, IRS Publication 969 explains. An FSA pays only for costs no other health plan covers. **Money you set aside for health care can go to your own care.** ## What do the fees cover? Each fee covers a [telepsychiatry](https://www.healthandharmonypsychiatry.com/glossary#telepsychiatry) visit with Dr. McDade, by secure video, for patients in Houston and across Texas. Coordination with your other clinicians, once you sign a release, comes with your care. - ### First evaluation Length 60 to 90 minutes With Dr. McDade How Secure video Fee $465 - ### Follow-up visit Length 15 to 30 minutes With Dr. McDade How Secure video Fee $275 Current private-pay fees from the practice. Major credit cards and HSA/FSA cards are accepted; checks are not. You receive a good faith estimate before your first visit, and the [Good Faith Estimate page](https://www.healthandharmonypsychiatry.com/good-faith-estimate) explains your right to an estimate. **Two visit rates, posted before you book.** ## What happens after you reach out? Here is each step, from the first call to your first follow-up. 1. 01 ### You reach out Book on the [booking page](https://www.healthandharmonypsychiatry.com/book-an-appointment), or call [832.387.6088](tel:+18323876088). Online or phone 2. 02 ### A brief screening A brief screening first confirms that telepsychiatry fits your needs. Before the visit 3. 03 ### Intake in the portal You'll complete a few intake forms in the patient portal, then meet with Dr. McDade for a full evaluation. Patient portal 4. 04 ### Your first evaluation Dr. McDade hears your story and reviews your history and your health, over 60 to 90 minutes. Understanding relies on context, and some stories need more time. Unhurried 5. 05 ### A plan built with you You and Dr. McDade discuss each option in depth. When therapy is the better starting point, she refers to therapists she knows well. Collaborative 6. 06 ### Follow-up with Dr. McDade Follow-up visits run 15 to 30 minutes by secure video. Steady The [psychiatric evaluation page](https://www.healthandharmonypsychiatry.com/services/psychiatric-evaluation) explains what the first visit covers, and the [telepsychiatry page](https://www.healthandharmonypsychiatry.com/telepsychiatry) explains how video visits work. **Your story comes first.** ## Questions about paying privately How much does care cost? Care is private pay. A new evaluation with Dr. McDade is $465, and follow-up visits with Dr. McDade are $275. You receive a good faith estimate before your first visit. Does Dr. McDade take insurance? No. Care is private pay, with rates set in advance and shared up front. You have the right to receive a [Good Faith Estimate](https://www.healthandharmonypsychiatry.com/good-faith-estimate) explaining how much your medical care will cost. Under the law, health care providers need to give patients who do not have insurance or who are not using insurance an estimate of the bill for medical items and services. Do private-pay visits count toward my deductible? It depends on your plan, so ask it first. The practice can give you a superbill to send to your plan if it offers out-of-network mental health benefits. It lists the visit, its billing codes, and what you paid. Your plan then decides what counts toward your deductible and what it pays back, from its own allowed amount. If a fee is more than that amount, you may have to pay the difference, HealthCare.gov explains. Can I pay with my HSA or FSA? Yes. The practice takes HSA and FSA cards, and psychiatric care counts as a medical expense under IRS Publication 502. Can my child see Dr. McDade too? Yes. You and your child can both be her patients, and each of you can be understood. She is board certified by the American Board of Psychiatry and Neurology in psychiatry and in child and adolescent psychiatry. She sees children from age 6, and a parent or guardian books for anyone under 18. Will I see the same doctor at every visit? Yes. Health & Harmony Psychiatry is a physician-only practice, and every visit, from your first evaluation through every follow-up, is with Dr. McDade. Sources for the facts on this page. - [2026 Employer Health Benefits Survey](https://www.kff.org/health-costs/2026-employer-health-benefits-survey/), KFF, October 22, 2026 - [Premium](https://www.healthcare.gov/glossary/premium/), HealthCare.gov - [Deductible](https://www.healthcare.gov/glossary/deductible/), HealthCare.gov - [Copayment](https://www.healthcare.gov/glossary/co-payment/), HealthCare.gov - [Coinsurance](https://www.healthcare.gov/glossary/co-insurance/), HealthCare.gov - [Allowed amount](https://www.healthcare.gov/glossary/allowed-amount/), HealthCare.gov - [Out-of-pocket maximum/limit](https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/), HealthCare.gov - [Network](https://www.healthcare.gov/glossary/network/), HealthCare.gov - [Health insurance plan and network types](https://www.healthcare.gov/choose-a-plan/plan-types/), HealthCare.gov - [Publication 502, Medical and Dental Expenses](https://www.irs.gov/publications/p502), Internal Revenue Service, for 2025 returns - [Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans](https://www.irs.gov/publications/p969), Internal Revenue Service, for 2025 returns This guide explains costs in general terms and is not tax or insurance advice. The information on this website is for general education and does not constitute medical advice or create a physician-patient relationship. For care, please schedule an appointment. ## Keep reading - Her story[Why Dr. McDade chose a different model](https://www.healthandharmonypsychiatry.com/why-a-different-model) Her story, and what one physician with time makes possible. - Service[Psychiatric evaluation](https://www.healthandharmonypsychiatry.com/services/psychiatric-evaluation) What the first evaluation with Dr. McDade covers. - About[About Dr. McDade](https://www.healthandharmonypsychiatry.com/about) Her training, her credentials, and how she works. - Your rights[Good Faith Estimate](https://www.healthandharmonypsychiatry.com/good-faith-estimate) Your right to an estimate of what your care will cost. ## Care Through Connection Clear numbers, and one physician with time for your whole story. Book the first visit online, or call [832.387.6088](tel:+18323876088) with questions. A parent or guardian books for anyone under 18, and a brief screening confirms fit before your first visit. [Find Care That Understands Me](https://www.healthandharmonypsychiatry.com/book-an-appointment) Health & Harmony Psychiatry does not provide emergency care. If you are in crisis or thinking about harming yourself, call or text 988, or call 911. Ages 6 to 70. Health & Harmony Psychiatry provides care by secure video to patients physically located in Texas at the time of their appointment. ## Share this post [mailto:https%3A%2F%2Fwww.healthandharmonypsychiatry.com%2Fblog%2Fwhy-pay-privately-for-psychiatry](mailto:https%3A%2F%2Fwww.healthandharmonypsychiatry.com%2Fblog%2Fwhy-pay-privately-for-psychiatry) ## Keep reading ### [![](https://www.healthandharmonypsychiatry.com/hs-fs/hubfs/what-to-expect-from-a-private-pay-psychiatrist-social.jpg?width=1200&height=630&name=what-to-expect-from-a-private-pay-psychiatrist-social.jpg) What Should You Expect From a Private-Pay Psychiatrist?](https://www.healthandharmonypsychiatry.com/blog/what-to-expect-from-a-private-pay-psychiatrist) ### [![](https://www.healthandharmonypsychiatry.com/hs-fs/hubfs/insurance-network-changes-and-your-psychiatrist-social.jpg?width=1200&height=630&name=insurance-network-changes-and-your-psychiatrist-social.jpg) When Your Insurance Network Changes, What Happens to Your Psychiatrist?](https://www.healthandharmonypsychiatry.com/blog/insurance-network-changes-and-your-psychiatrist) [![Health & Harmony Psychiatry, home](https://www.healthandharmonypsychiatry.com/hs-fs/hubfs/TB-Gold-Decorative-icon-H%26H-P-Logo.webp?width=1254&height=1254&name=TB-Gold-Decorative-icon-H%26H-P-Logo.webp)](https://www.healthandharmonypsychiatry.com/) Private, evidence-based telepsychiatry for children, teens, and adults across Texas. [Book a private visit](https://www.healthandharmonypsychiatry.com/book-an-appointment) Opens the booking page. A brief screening confirms fit before your first visit. - [Call 832.387.6088](tel:+18323876088) - [Email Email us](mailto:Admin@healthandharmonypsychiatry.com) - Mailing address 800 Rockmead Dr., #113, Kingwood, TX 77339 ## Care near you - [Humble and Atascocita](https://www.healthandharmonypsychiatry.com/areas/humble-atascocita) - [Kingwood](https://www.healthandharmonypsychiatry.com/areas/kingwood) - [The Woodlands](https://www.healthandharmonypsychiatry.com/areas/the-woodlands) - [The Heights and Midtown](https://www.healthandharmonypsychiatry.com/areas/heights-midtown) - [Telepsychiatry in Texas](https://www.healthandharmonypsychiatry.com/areas/texas) Care by secure video reaches all of Houston and Greater Houston, and anywhere private in Texas. ## The practice - [About Dr. McDade](https://www.healthandharmonypsychiatry.com/about) - [Telepsychiatry](https://www.healthandharmonypsychiatry.com/telepsychiatry) - [Services](https://www.healthandharmonypsychiatry.com/services) - [Conditions treated](https://www.healthandharmonypsychiatry.com/conditions) - [Children and teens](https://www.healthandharmonypsychiatry.com/services/child-adolescent-psychiatry) - [Refer a patient](https://www.healthandharmonypsychiatry.com/refer-a-patient) ## Connect - [Contact us](https://www.healthandharmonypsychiatry.com/contact) - [Patient portal](https://phr.charmtracker.com/login.sas?FACILITY_ID=aad7261cfb8b45309218a1b28e8d04bb00b2727119a96f912e62fe42203ae47d7be1cfd797c1e554) - [LinkedIn](https://www.linkedin.com/in/allisonmcdademd/) - [Psychology Today](https://www.psychologytoday.com/us/psychiatrists/allison-mcdade-kingwood-tx/1680650) - [Instagram · Let’s Unpack That](https://www.instagram.com/letsunpackthat88) **Health & Harmony Psychiatry does not provide emergency care.** If you are in crisis or thinking about harming yourself, call or text 988, or call 911. ## NOTICE CONCERNING COMPLAINTS Complaints about physicians, as well as other licensees and registrants of the Texas Medical Board, including physician assistants, acupuncturists, surgical assistants, medical radiologic technologists, non-certified radiologic technicians, respiratory care practitioners, medical physicists, and perfusionists may be reported for investigation at the following address: Texas Medical Board Attention: Investigations 1801 Congress Avenue, Suite 9.200 P.O. Box 2018 Austin, Texas 78768-2018 Assistance in filing a complaint is available by calling the following telephone number: [1-800-201-9353](tel:+18002019353) For more information please visit our website at [www.tmb.state.tx.us](https://www.tmb.texas.gov/) Ver este aviso en español ## AVISO SOBRE LAS QUEJAS Quejas sobre médicos, así como sobre otros profesionales médicos de la Junta Médica de Texas, incluyendo asistentes médicos profesionales, acupunturistas, asistentes quirúrgicos, tecnólogos médicos en radiología, técnicos radiólogos no certificados, profesionales de cuidados respiratorios, físicos médicos, y perfusionistas se pueden presentar en la siguiente dirección para ser investigadas: Texas Medical Board Attention: Investigations 1801 Congress Avenue, Suite 9.200 P.O. Box 2018 Austin, Texas 78768-2018 Si necesita ayuda para presentar una queja, llame al: [1-800-201-9353](tel:+18002019353) Para obtener más información, visite nuestro sitio web en [www.tmb.state.tx.us](https://www.tmb.texas.gov/) [Read the Texas Medical Board’s notice in English and Spanish (PDF) →](https://www.tmb.texas.gov/file/complaint-notice-poster) © 2026 Health & Harmony Psychiatry Dr. Allison J. McDade, MD - [Privacy](https://www.healthandharmonypsychiatry.com/privacy) - [Good Faith Estimate](https://www.healthandharmonypsychiatry.com/good-faith-estimate) - [Terms](https://www.healthandharmonypsychiatry.com/terms) - [Patient notices](https://www.healthandharmonypsychiatry.com/patient-notices) Privacy Policy · Legal · © 2026. All rights reserved. ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Dr. Allison J. 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A new evaluation with Dr. McDade is $465, and follow-up visits with Dr. McDade are $275. You receive a good faith estimate before your first visit." }, "name" : "How much does care cost?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "No. Care is private pay, with rates set in advance and shared up front. You have the right to receive a Good Faith Estimate explaining how much your medical care will cost. Under the law, health care providers need to give patients who do not have insurance or who are not using insurance an estimate of the bill for medical items and services." }, "name" : "Does Dr. McDade take insurance?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "It depends on your plan, so ask it first. The practice can give you a superbill to send to your plan if it offers out-of-network mental health benefits. It lists the visit, its billing codes, and what you paid. Your plan then decides what counts toward your deductible and what it pays back, from its own allowed amount. If a fee is more than that amount, you may have to pay the difference, HealthCare.gov explains." }, "name" : "Do private-pay visits count toward my deductible?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. The practice takes HSA and FSA cards, and psychiatric care counts as a medical expense under IRS Publication 502." }, "name" : "Can I pay with my HSA or FSA?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. You and your child can both be her patients, and each of you can be understood. She is board certified by the American Board of Psychiatry and Neurology in psychiatry and in child and adolescent psychiatry. She sees children from age 6, and a parent or guardian books for anyone under 18." }, "name" : "Can my child see Dr. McDade too?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. Health & Harmony Psychiatry is a physician-only practice, and every visit, from your first evaluation through every follow-up, is with Dr. McDade." }, "name" : "Will I see the same doctor at every visit?" } ] } ```