Non-fiduciary costs to using insurance for therapy?
September 26, 2006 8:08 AM Subscribe
What's the real story with using health insurance for mental health services, related privacy issues, and how it affects one's ability to get insurance coverage in the future?
posted by anonymous to human relations (13 answers total) 7 users marked this as a favorite
After an extended period of consideration, I've decided to seek counselling for what I think are relatively minor issues, and for what I hope will be a relatively short time. (In my rich fantasy life, this means 10-12 sessions over a few months, but I know that may not be realistic.)
Naturally, I'd like to avail myself of the generous health insurance benefits supplied by my employer, but I've known many, many people who choose to keep therapy "off the books" due to concerns about privacy and future coverage. What's the real story? Is it worth it to keep counselling records out of your insurance company's hands? What are the potential repurcussions of using insurance for therapy?
(And one more potentially relevant note: I'm employed full-time, but in the past I've sometimes been self-employed. It's entirely possible that one day I'll want to be self-employed again, in which case I'll have to secure my own insurance.)