Now accepting both in-person and telehealth clients with qualifying Aetna insurance plans.
Also accepting telehealth/online clients with qualifying Cigna insurance.
Ask about coverage for telehealth (video) therapy from the comfort of your own home or private office. We can check your plan to see if you qualify.
Using Health Insurance for Mental Health Treatment
Are you thinking about using health insurance to cover counseling? Therapy is an investment in yourself and health insurance can be an incredible asset if you would like to make regular mental health care more attainable.
It is a good idea to learn all you can before you use health insurance to cover counseling. I encourage you to explore all of your options so you can make an informed decision before you use your healthcare benefits.
But why would anyone NOT want to use health insurance for mental health counseling?
The Required Diagnosis of a Mental Illness
Insurance companies have processes in place to make sure customers use their services for legitimate conditions. For that reason, insurance companies require that therapists diagnose their clients during the first visit. This means that your counselor MUST diagnose you with a condition before your insurance will even consider covering the cost of therapy.
Sometimes people would rather their health insurance company not know so much about their lives. Often, your insurance company will require treatment plans, personal information, and progress reports before they decide what to cover.
In other cases, clients are concerned that any diagnosis may become labeled as a “pre-existing condition” down the road.
Now, here’s the good news. In 2010, the Affordable Care Act was passed in the US. That act stopped insurance companies from denying coverage based on pre-existing conditions. For instance, if you were diagnosed with depression in the past, your insurance company cannot deny you coverage for depression today (or tomorrow… or ever). You will likely be covered for continuing treatment.
Keep in mind that each policy is unique, and it is a good idea to call your insurance company yourself before any medical or mental health visit to be sure that they will pay for your treatment. As with any health practitioner, doctor visit, dental visit, etc., if your healthcare claim is denied, you will still be responsible for the cost of treatment.
You do have several options. You can use your health insurance for counseling, or you can explore other choices like cash payment, sliding-scale options, or a tax-free health savings account.
Know Your Coverage and Know Your Rights
The very best plan is to contact your insurance company before any treatment and make sure you are approved, and ask any questions that you might think of.
Remember, you always have choices. You can decide to start or stop using insurance coverage at any point in your treatment, as long as you communicate your wishes ahead of time. You may be able to apply for sliding-scale treatment costs, pre-paid visits at a discount, use pre-tax dollars, or work out a plan that better fits your budget.
The Bottom Line is This:
Insurance IS confusing. If you are under stress right now, you may not have the bandwidth to process all of these options alone. It’s a great idea to discuss your possibilites with another person. I’m always happy to talk with you about your options so you can make the very best decision for you and your life.
You Have the Power:
Making Sure Your Coverage Stays the Same
Today, in 2018, our government is discussing how to change (amend), or even remove the Affordable Care Act. Because new healthcare bills are so heavily debated right now, no one really knows if pre-existing conditions will become an issue again in the future.
The best way to help fix this potential big issue is to become politically aware and involved.
No matter what your political affiliation is, that’s a big process, and chances are that you could really use some support in your everyday life right now. For now, it is good to be aware that your voice can be heard on these issues in the future.