Live Consulting with William Hemphill: Should I Come Off Insurance Panels | FP 86

Is your practice insurance-based or cash-pay? How does insurance-based or cash-pay influence the treatment that you do in your practice? What change can happen in your practice when you work with cash-pay?

In this podcast episode, Whitney Owens does a live consulting call with William Hemphill about whether he should come off insurance panels.

Meet William Hemphill II

Photo of William Hemphill, the christian counselor featured in this podcast episode for christian therapists trying to navigate the role faith plays in building their business.

William Hemphill, II, is a counselor, pastor, and speaker. As a husband who has been married for over 23 years and a father who adopted three children, he understands the rewards and challenges of maintaining a strong marriage and blending a family.

In his practice, he works with individuals who value their faith, couples who want to strengthen or rebuild their relationships, and with adoptive families in building loving connections. He is the author of the book Praying With Your Spouse: A Secret To Building Intimacy In Your Marriage.

Visit William’s website and connect with him on Facebook and join the Building Spiritually Strong Marriages community.

Listen to his podcast here. Email William at

In This Podcast

  • Some things to consider
  • Where and how did you obtain your cash-pay clients?

Some things to consider

  • How do you do treatment?
  • What is your ideal client population?
  • Where are you located?

So when we talk about the type of counseling that you want to do, do feel like insurance helps encourage that or do you feel like insurance makes it to do the type of treatment you want to do? (Whitney Owens)

Sometimes therapists and clients alike would both like to continue the session longer than the time specified by the insurance panel, or they would even think that the session on a particular day may need to be shorter.

What is important here is that cash-pay allows therapists and clients to be more flexible with the times of the counseling session, whereas insurance pay is more restrictive in terms of timing.

How would you like to have your treatment run, or be able to run? Some treatment methods work better with 90-minute sessions as opposed to 45-minute sessions.

If you make the transition, you can always go back. You’re not messing yourself up but you can at least try, if you think that cash-pay is more in line with your values and how you see your community and how you serve clients, then that’s the way to go. See if that works and if you’re not getting the clients you need then you can always go back on insurance. (Whitney Owens)

You can try this system and see if it works for you and your practice. You can always switch back if you decide that it does not work for you.

Who is your ideal client?

With the clients you are seeing now that are insurance-pay, ask yourself if you think they would continue working with you at your cash-pay rate. You can offer superbills with cash-pay as well if you are concerned about the financial piece for your clients.

You can consider coming off insurance panels one at a time to see how your clients and your practice adjust to the transition, instead of coming off all of them at the same time.

If you decide to come off insurance panels, the process is:

  • Write a letter to your insurance or to the person that you are working with,
  • Let them know that you are coming off the panel,
  • They will usually respond to you and give you a date – this can be a while later – that you will be off the panel,
  • Once you have submitted the letter to insurance, write letters to your clients and let them know that you are moving off of insurance.

Where and how did you obtain your cash-pay clients?

Invest in what works. How did you come to find and connect with your cash-pay clients?

Examine your network base and see where and how you can expand your connections to encourage growth and new relationships.

Where would your ideal, cash-pay clients be located? In which churches, schools, and doctor’s rooms? Network with fellow practitioners, doctors, pastors, and school centers to encourage a referral system so that you can bring in cash-pay clients who share your values and are motivated to work on their treatment.

I don’t just envision counseling, I envision teaching and helping marriages and families, speaking and maybe eventually having a curriculum for different things. (William Hemphill)

Useful Links:

Meet Whitney Owens

Photo of Christian therapist Whitney Owens. Whitney helps other christian counselors grow faith based private practices!Whitney is a licensed professional counselor and owns a growing group practice in Savannah, Georgia. Along with a wealth of experience managing a practice, she also has an extensive history working in a variety of clinical and religious settings, allowing her to specialize in consulting for faith-based practices and those wanting to connect with religious organizations.

Knowing the pains and difficulties surrounding building a private practice, she started this podcast to help clinicians start, grow, and scale a faith-based practice. She has learned how to start and grow a successful practice that adheres to her own faith and values. And as a private practice consultant, she has helped many clinicians do the same.

Thanks For Listening!

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Faith in Practice is part of the Practice of the Practice Podcast Network, a network of podcasts that are changing the world. To hear other podcasts like Empowered and Unapologetic, Bomb Mom, Imperfect Thriving, Marketing a Practice or Beta Male Revolution, go to

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