How much does it cost to be treated by a therapist? Insurance coverage for therapists is usually just one third as much as it costs for the average patient to be treated by a therapist. Insurance providers pay only a fraction of what it costs for therapy – about one fifth of the bill. Insurance companies pay for individual sessions between two and four, not group sessions that cover many people.
Insurance for therapists is available from virtually every provider, though the rates are not always affordable. Rates are based on estimated reading time, which will vary depending on when the session is scheduled, the therapist’s experience level and qualifications, and the insurance provider’s terms of service. If the estimate of reading time is seven hours ago, the insurance rate may be much higher than it would be if you were scheduled for a session at six o’clock in the morning. A typical estimate is about half an hour per session, and most providers require a minimum of two hours of therapy.
To find out if your therapist accepts insurance plans, check with your therapist’s office. Sometimes offices have an idea about prices based on estimated reading time; however, if the office is unaware of any other fees, ask them. Many offices have rates set in stone, so if you have a specific procedure in mind, it might be best to find out beforehand how much the procedure will cost from your therapist’s office. Otherwise, you’ll end up paying more for the procedure that you thought was free.
What if you want a faster procedure? Is the price of the procedure going to go up? Not necessarily. Some procedures, such as anesthetic or suctioning, are guaranteed to be faster; and some, such as the use of a laser to remove hair, can be done in less time. The rate is often figured into the rate for the entire procedure, so if you’re planning to have less invasive surgery, talk to your therapist to see if the estimate for the procedure they gave you is the flat rate or an adjusted rate, which includes possible administrative costs.
Is there a way to save money on your therapy? Often, therapy sessions can be scheduled for any time, day or night, depending on the needs of your client. Scheduling sessions at odd hours is especially helpful if your client has a job or lives in an apartment. At 7 mins per minute, a session could run twenty-four hours; however, if the session is scheduled for mornings, it will probably start before the client has arrived. That means the session could start at ten o’clock in the morning, while the client is still sleepy.
If you don’t already have health insurance, do some research and compare prices. There are many health insurance plans available that will cover some or all of the cost of therapy. If your insurance company doesn’t offer coverage, check with your employer to see if they may offer a discount on the cost of therapy. Also check the internet for a list of agencies that provide low-cost therapy. Many agencies will have online forms that you can fill out to find out if your therapist is available and for other details.
Once you’ve narrowed down your list and chosen a therapist, ask him or her if he or she accepts insurance. Most therapists will say yes right away. If they do, ask how many hours the insurance policy covers. Many policies cover therapy after the first five hours, so be sure to ask when this is. Be sure to tell your potential therapist how many hours you want covered; many therapists will adjust their rate to accommodate you.
Hopefully, those 4 hours ago were a waste of time. If not, ask your potential massage therapist how much he or she charges per hour. If the price is more than you can afford per hour, be sure to tell the health care provider that you are unable to pay the price right now, but that you are willing to pay the price over time. Some health care providers will actually increase the price of the service during that first appointment, but if you’ve been understanding, they will respect your wishes. After all, you’re the one paying for the service – not your therapist!