My T has the same kind of cancellation policy....that I have to pay the full cost of the session if I don't cancel within 24 hours. I also have to pay a copay if I miss group. I am okay with the policy, as I would hate for my T to lose wages (it's a private practice) because of me...and it has the potential to lead to resentment, etc. towards me.

The one thing I don't like is that there are negotiated rates with each insurance provider. So, if he charged $130 per session, they agreed to $80....My copay would be $25. But if I missed, I had to pay the full $80.....Yet, the contracted rate with another insurance provider is $60....so, when I miss a session under this new insurance, my fee is lower.

I understand that the policy is there to protect both of us....There will always be those clients that cancel at the last minute because they panic or just don't want to go....and this helps ensure that the T is not constantly scrambling to fit patients in at the last minute due to cancellations.