The BlueCross BlueShield plan I've had for a few years "allows" only $78 of the $180 that my out-of-network therapist charges. Other companies can't/won't tell me what their allowed amount would be. Does your plan "allow" more than mine does? I just don't understand how they can say that the "reasonable, usual and customary charge" for a therapy appointment with a Ph.D. therapist is $78, because that's just ridiculous. Am I missing something here? Or is this just the insurance companies being $&%#?!*@.
I'm seeing a psychiatrist. I'm paying for it up front through my HSA and not submitting it to my insurance company. I switched to a new practice recently and because it's more expensive, I wonder if I should submit these claims to my insurer. Should I be? [more inside]
I have a friend who lives in Bolingbrook, IL (Will County). She has a car. She's looking for a mental health care professional. There are complications. [more inside]
DCfilter/Therapyfilter: I'm looking for a therapist in the Washington, DC area that takes United Healthcare. I also need some general advice on starting therapy-- I haven't done it in several years and my previous experience with it wasn't great. I'm being treated with medications for depression. [more inside]
I don't have health insurance right now, but I do get an allowance through work to go toward a private, individual plan. I haven't purchased a plan quite yet, and I'm wondering if seeing a therapist now might cause problems for me later. I also don't understand how pre-existing conditions are defined when it comes to mental health issues. (I live in Washington state.) [more inside]
I'm thinking of dismissing my therapist over some billing issues, but would like some perspective from other people. [more inside]
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? [more inside]