Health Insurance and Psychotherapy

Recently, a man called me looking for psychotherapy and found me listed and approved in an online version of Psychology Today Magazine. After discussing the kind of psychotherapy I do, he asked if I take his insurance? When I answered that I do not take any insurance and provided the reasons why, I told him the much lower fee I charge instead of taking insurance. He immediately became suspicious, told me that when something sounds too good to be true it can't be true and hung up the phone. I was left with a moment's feeling as though I was some kind of charlatan. I realized that this had to do with the pathology of the potential patient but, it struck me that he talked himself out of a reasonable, affordable and non intrusive way to receive therapy. For this individual, accepting insurance was some type of measure of competence and honesty. Unfortunately, that is not the case because, while most insurance companies try to screen therapists for licensing and training, there are never guarantees. This article is based on one written by Nathan Feiles LCSW and can be found at PsychCentral. Nevertheless, how important should insurance coverage be for someone who is looking for a therapist? In my opinion and in the opinion of Nathan Feiles, LCSW, health insurance should not dictate going or not going to a therapist. The reasons are many because psychotherapy is very different from medical practice. Here are some of the factors that should mitigate against using insurance if possible: 1. There are many well trained and well seasoned therapists who have given up health insurance coverage and they are practitioners, just like myself. With insurance comes all kinds of headaches for the therapist, including hours of paper work justifying the need for treatment. Most individual psychotherapy practitioners do not have a staff to do that work. 2. The fee that therapists get after the patient co-pay does not make it worth doing all that work. So, why do some therapists continue to accept insurance? The reason is that many of them are new and are trying to build both their practices and their reputations. I8Nnqilh
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