National Counselor Exam Practice Test 2026 – Comprehensive Study Resource

The choice that indicates the correct ethical issue raised in this scenario is based on the principle of fairness and the ethical obligation of counselors to provide equitable access to services. Referring clients based on their insurance status suggests a bias that can compromise the integrity of the counseling profession.

Counselors have a responsibility to act in the best interests of all clients, regardless of their financial situation. By prioritizing clients with better insurance for her private practice, the counselor may be perceived as exploiting her position for personal gain rather than focusing on the needs of the individuals seeking help. This behavior could undermine the trust placed in the counseling profession and raise concerns about discrimination against those with less favorable insurance options.

The ethical concern arises from the potential for harm and fairness, where the client's financial capabilities unfairly influence the quality and accessibility of the counseling they receive. Such practices can lead to a perception of privilege and inequity in the delivery of mental health services, which is contrary to the ethical standards set forth by professional counseling organizations.