Why So Many Therapists Don’t Take Insurance…
You may be researching to find a therapist and notice that more often than not, they don't accept insurance. This may deter you from reaching out or scheduling an appointment because it can get expensive.
Let me fill you in about why many therapists do not accept insurance and ways to make therapy more affordable.
First, most insurance companies require a diagnosis at the time services are rendered. This means that after your first 50 minutes session a therapist “must” diagnose you with a mental illness in order to be reimbursed for services (according to insurance policies). This is complicated for many reasons, one of which is often times people do not fit criteria for a diagnosis… especially during unprecedented pandemic times! In my opinion, this reinforces the stigma of going to see a therapist or getting mental health support.
When a therapist accepts insurance, they are also required to submit additional paperwork. Often times, confidential information must be shared with your insurance company. Although this may not be a big deal to you, it does mean that your insurance provider can determine details of your treatment (including whether they cover the costs or not). Other times, insurance companies determine how many sessions a client can have. Again, this is problematic because the therapist, AKA the treatment provider, should be the one working with the client to identify how many sessions are appropriate.
Here are some tips:
Contact your insurance company and determine if they will reimburse you for “out of network” services. Typically they will reimburse your for a percentage of the cost.
Talk to your therapist about getting a monthly invoice, also known as a “Superbill’. This invoice documents when therapeutic services were provided, as well as how much you paid for them. A superbill will also contain a diagnostic code for insurance purposes. Important note about this: psychoeducation is a major part of the therapeutic process and you should have an idea of what diagnosis may apply to you. If you don’t, then make sure to talk about this with your therapist.
Seek out sliding scale services or make sure to ask if available. Many therapists offer sliding scale services to increase accessibility. There may be waitlists for securing a sliding scale spot, but this is worth it if you are unable to pay the full amount out of pocket.
If possible, pay for therapy using your Health Savings Account (HSA). At The Therapy Loft, this is an accepted form of payment.
Hopefully this article gives you some clarity and understanding on why insurance is commonly not accepted for mental health therapy.