Do Therapists Accept Insurance?

Insurance is something that many therapists shy away from because of a fear of exclusions or of being asked to pay for services out of their pocket. This leads to numerous logistical problems. How much do therapists accept insurance? Do therapists accept all insurance? When you’re paying with your own pocket, do you really want to be asked to pay for services out of your own pocket?

Mental health care in the United States isn’t exactly what it’s (much like a commercial for-profit) and there are many viable workarounds to assist those who need mental health care. There are a wide variety of mental health insurance policies out there and finding one that works for you and your therapist can be made easier by knowing a bit about them. Most mental health insurance policies come with a lot of coverage. These policies will typically cover pre-existing conditions, payment for deductibles, partial coverage for “out of pocket” costs, and most policies will require a minimum number of visits to a therapist before the policy kicks in. Some policies will also cover therapy sessions. As you can see, there are a lot of covered services.

Because so many therapists across the country have their own private practices, they tend to avoid becoming part of managed care networks. For them, this is a serious disadvantage. While a network may provide cheaper rates, therapists are still required to become part of a managed care program and are thus affected by policy terms. However, now there’s good news-you can find a free listing platform that connects you to therapists directly.

Not all therapists will be listed in your free listing platform. For psychotherapists and psychiatrists who are part of managed care plans, a network might not even be available. In such cases, you need to find independent therapists. In this case, you should look on the internet. The best way to do this is through forums. Simply search for a forum related to your preferred mental health professional and follow the tips below:

o Look around and ask around. A good therapist will always be willing to offer references. Look for these references and call them up. Make sure you ask them why they would prefer the therapist you are looking at over another. It is also a good idea to ask them if they are part of a managed care program and what sort of plan they are part of. Knowing this information can help you narrow down your list of mental health insurance options.

o Look at the web site of your local mental health organization. You might find information about psychotherapy programs or a list of psychotherapy providers that they accept into their plan. They should have a telephone number as well as an email address. If you cannot find this information, contact your local insurance carrier. Often times, they provide coverage for psychotherapy when it is used under specific guidelines. Call your carrier and ask them if they have coverage for psychotherapy in your area.

o Check with your state’s insurance department. Many states have created a list of covered providers that include not only hospitals and doctors but psychotherapy providers as well. Often times, they will allow coverage for psychotherapy when it is used in conjunction with medical treatment. This is a good starting point because in most states, the only way to find out if you will be covered is to call your insurance company.

o Make sure that you understand the different types of insurance coverage. In many instances, when a patient is referred to a therapist, they are being discharged from an inpatient facility or a hospital. Often times, insurance companies will not cover the cost of assisted living or other long term care if the patient is being discharged to get therapy. If the service provider referrals for the patient to a medical doctor for the treatment, the insurance may cover the cost of the treatment. It is important to remember that in most instances, a therapist will accept insurance, but it is a good idea to confirm this before the first session is scheduled.