Why You May NOT Want to Use Your Health Insurance for Counseling ?



However, using health insurance for mental health services is a little different than other medical issues. Mental health issues may not be covered by health insurance. When you file a mental health insurance claim, your mental health diagnosis is recorded on file. A mental health disorder/illness must be included in a claim in order for insurance to pay for treatment. This will be included in your permanent medical record. Of course, you should consider using health insurance for counseling services, but there are some good reasons to consider why you might not want to use insurance for counseling services.

Why won't my advisor accept my health insurance ?

Many consultants decide not to take out health insurance for very good reasons. I want to focus 100% on my treatment. If they accept health insurance, apart from agreeing to work at a reduced rate, a lot of extra work is required to obtain the insurance. You could spend hours on the phone asking for tracking of your payment. Consultants must wait one month for payment from insurance companies. The consultant must submit a progress report to the insurance company. Consultants must provide treatment reports and other information about medical history to insurance companies.

I'm not saying that consultants hate insurance companies or don't want you to use your insurance (we have health insurance too!), but many consultants are more interested in helping their clients than handling insurance. I prefer to spend 100% of my time and energy on enterprise.

But that's not the only reason an advisor may not be connected with your health insurance company. Other reasons are more compelling and should be considered before deciding on a health insurance claim.

Many consultants are unwilling to work with health insurance companies to better protect your confidentiality. All information (claims, reports or treatment plans) submitted to health insurance companies is Leaving the insurance company's office and the protection of locked files, your personal, private and emotional information resides outside the counselor's office. In order for insurance companies to reimburse or pay for counseling (both on-network and off-network), you must be considered "ill". Must be diagnosed with a mental illness or disorder. Insurance will not pay for counseling services if you are not sick enough to warrant a diagnosis. If you qualify for a mental health diagnosis, your illness will be recorded in your permanent medical record. Many counselors choose not to take out insurance because they prefer this "medical model" of declaring someone sick, focusing on the client's strengths and not wanting to classify them as psychotic.

Want to be thought of as psychotic? If you already have a mental health diagnosis due to past counseling or psychiatric visits, check the diagnosis on file. If you already have a mental health diagnosis, this may not be an issue, but if you haven't, you may not want this on your medical record.  

Advisors also do not like sharing information with others to protect your confidentiality. When a claim is submitted to an insurance company, who knows how many people will see it and stamp it as it goes through the system? insurance company reserves the right to review your entire file. You can request copies of counseling notes, assessments, and other personal emotional information to determine if you are really "sick enough" to justify payment. If they do, or if they believe your visit is not "medically necessary", they may refuse your services. In addition, there are many consultation cases that are not covered by insurance. Stress management and anger management are usually not covered. Marriage counseling is generally not accepted. Certain illnesses/psychiatric disorders can be excluded (such as Attention Deficit Disorder and Adjustment Disorder). Even if your illness or disability is covered by your insurance plan, you can still limit the number of visits (sometimes as much as 20 per year) and set a maximum amount you will pay in a calendar year or lifetime. Additionally, advisors prefer not to let anyone at the insurer tell them how to treat their customers. Insurers can decide what types of counseling are covered, what diagnoses are allowed, and how many visits a client has to come before they are cured. Many advisors prefer to work directly with their clients to meet their needs without the intervention of the insurer.

Using health insurance for counseling services may also affect security clearance, life insurance rates, employment, or future health insurance coverage.

For these reasons, we recommend that you research your health insurance claim and seek medical attention. You can still apply, but you must be an informed consumer.

  • Be an informed consumer.
  • Know your mental health diagnosis.
  • Talk to a counselor about your diagnosis. 
  • Ask your consultant for a treatment report.
  • Decide if you have or want to have a mental illness.  

If you have clinically severe depression, anxiety, or other problems, you probably already have a diagnosis.

But when you're stressed, having troubled relationships, or trying to figure out your purpose in life, your symptoms may be so minor that you don't want to put a mental health diagnosis on your record.

Once an insurance application is submitted to a health insurance company, your diagnosis becomes part of your permanent medical record and can affect future life insurance policies, existing medical conditions, or the cost of private health insurance. there is.

Jama Thurman is a Licensed Professional Counselor in Manassas, Virginia. She helps teens and adults with stress and anxiety find peace and purpose. [http:

http://www.howtofindacounselor.com]. This book will help you decide if you need professional help, how to find it, and whether you want your health insurance company to pay for counseling services.

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