I've been seeing a PT for 3 months who is covered entirely by insurance. They provide ultrasound, etc., but not much else. I want to see another PT to get better treatment and pay out of pocket. Would it be OK to continue seeing the insurance-covered PT for ultrasound and e-stem once a week and pay out of pocket to go to the other PT once a week? Would my insurance company frown on this if they found out?
After being recommended multiple therapists and not a single one accepting insurance, I've determined that the only financially advantageous avenue to pay for therapy is to switch to a high deductible insurance plan with a HSA in order to lower my premiums and maximize my tax situation. Is there anything I'm missing or not taking into consideration? [more inside]
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 $&%#?!*@.
My anxiety has flared up recently, to the point where I am reluctant to leave my house unless absolutely necessary. This weekend, I checked myself into urgent care after having five panic attacks in 12 hours. The health care providers there were less than helpful, and I feel like I've hit a wall in terms of figuring out how to get the help that I need. [more inside]
How to handle insurance when your doctor/therapist goes AWOL? [more inside]
My only real experience with mental health practitioners was a brief stint with my free university counseling where I tried one or two medications for anxiety and depression. They didn't do anything for me and I became disheartened and left the idea behind for the past few years. Having gotten health insurance for the first time a few months ago and after some recent introspection, I've found myself interested in possibly trying some anti-anxiety/depression medication again, as well as some sort of ongoing psychotherapy. [more inside]
I'm looking for therapists in San Francisco and I just found out that I'm covered under United Behavioral Health. I'm wondering if people've had any experience seeing a therapist or a psychiatrist through them, and how I might go about finding someone in their provider directory who'd a good match for me. I'd also really appreciate any recommendations for therapists in SF who take UBH. [more inside]
Hello! I am an independent contractor (1099 Misc form) for the first time in my life and need some tax advice as the budget is a bit tight! Therapy, acupuncture, bicycle, insurance, computer, etc. How do deductions work? [more inside]
I think I might be a little depressed. Sometimes more than a little, but usually at least a little. And I know I have issues with anxiety. So, I've decided to get therapy. And I've called my insurance to figure out how to go about doing that. So my question is: now what? I don't know if I need a psychiatrist or a psycologist. I know that a psychiatrist perscribes medication, but I don't know if I need that. Knowing that seems like their job. [more inside]
I'm trying to figure out the best choice for individual health insurance for myself, and I'd like to have it pay for my currently-out-of-pocket therapy, but I have questions about how this works. Does therapy count as an "office visit"? Do I actually want insurance to cover therapy? (I'm in the US.) [more inside]
How do you know what type of mental health professional you need? [more inside]
I am looking for a general purpose LCSW/psychologist/therapist in the Buffalo, NY area (northtowns preferred). I'm looking for someone young, and they need to accept a BCBS PPO insurance plan. Seeking recommendations, or suggestions on how to search better. [more inside]
My girlfriend confided in me that old thoughts from her days of having an active eating disorder are cropping up again. Help me help her. [more inside]
I had an introductory meeting with a therapist to seek some help regarding gender identity issues, and on his bill, in addition to the DSM code for gender dysphoria, he has diagnosed me with 300.4, "dysthymic disorder". What implications are there if I submit this bill to my insurance provider? [more inside]
Good therapist in San Francisco that takes Kaiser insurance? [more inside]
Should I quit therapy for financial reasons? [more inside]
New to Therapy: My 3rd and final free therapy session through my company's EAP program is this afternoon, is there some 3 session progress meter I should be looking for to help decide if i want to continue paying for this? [more inside]
How can I tell a therapist that Ive done something illegal? [more inside]
What is the privacy downside of seeing a therapist using my insurance plan? [more inside]
Is there a way to get life insurance without the underwriter seeing the complete records of my two-plus years in therapy? [more inside]
I've finally acknowledged that I'm pretty seriously depressed. I don't have insurance and live in San Francisco. What should I do? [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]
Maybe I have a couple problems. The first one probably stems from the second. Insurance won't cover therapy or medication. Is there any place in Baltimore, MD that offers free or very low-cost assistance? Thank you.
I am in search of supplemental mental health insurance (in the US). Does such a thing exist? I'm a full-time grad student about to lose my awesome COBRA benefits from my past job. I'm going on to my husband's plan, which has crappy mental health coverage (only 20 therapist visits a year vs. 45 with my last insurance). I need weekly visits, but there's no way to change the plan. I've googled for supplemental health insurance, but I mostly get sites for those on Medicare. I've checked several major insurance companies, but none have any specifics about their mental health coverage. Has anyone else dealt with this situation? Perhaps someone who works in the insurance industry can point me in the right direction?