of using Insurance:
- decreased out-of-pocket expense AFTER meeting deductible
- before deductible is met, cost is equivalent to private-pay
Using insurance with a therapist is NOT the same as with a medical doctor.
Many who use insurance for their medical doctor elect to pay out of pocket for counseling. Likewise, a growing number of counselors and psychiatrists are choosing to avoid insurance entanglements as well. You owe it to yourself to learn why so many are making this choice.
There are obvious financial benefits to involving your insurance company, but there are also some risks as well, especially if your provider is in-network. Let's look at the benefits and drawbacks.
Here are some basics about what it means to be In and Out of Network. Depending on your plan and deductible, counseling may end up costing the same either way.
The best thing you can do is ask your insurance company lots of questions, especially if they pay for out-of-network providers! Here are some helpful questions to use.
Noting the name of the insurance representative you speak with and the date/time can be helpful later on.
James Guay, LMFT put together this info in a video format.