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

Obtain use your health insurance for counseling? Isn’t that what for?

Perhaps. Medical International

Nevertheless using health insurance for mental health services is a little different than other medical issues. Often mental health issues are not covered by your wellbeing insurance. Once you use your overall health insurance for mental health, you will have a mental health medical diagnosis on file – a mental health disorder/mental health illness must be on the claim in order for insurance to fund treatment. This will be in your long lasting medical record. 

Obviously you want to consider using your health insurance for counseling, but there are some good reasons so that you can consider why you might not exactly want to use your insurance for counseling services.

Why won’t my counselor accept my medical health insurance?

Many counselors choose to never accept health insurance for very good reasons. They want to target 100% of their time in treating you. In the event that they accept health insurance, we have a lot of extra work associated with accepting insurance, in conjunction with uniting to work for a reduced fee. The counselor may spend hours on the phone getting gain information, authorizations, or pursuing up on claims obligations. The counselor has to wait per month for repayment from the company. The counselor must file improvement reports with the insurance company. The counselor is required to submit treatment reports and other details about your medical record with the insurance company.

It’s not that advisors don’t like insurance companies, or don’t want you to use your insurance (we have health insurance too! ), but many counselors choose to focus fully of their time and energy in helping clients, rather than doing paperwork for insurance companies.

Although this isn’t the singular reason counselors may well not have network with your health insurance provider.

The other reasons are more compelling, and you need to consider them BEFORE you determine to use your quality of life insurance.

Many counselors prefer not to work in network with health insurance companies so that they can better protect your privacy. Details (claims, reports, or treatment plans) filed with medical health insurance leaves the security with their office and their locked files and your personal, private, psychological information is outside of your counselor’s office. In order for any insurance company to reimburse or pay for counseling (both in network and away of network), you must be looked at “ill”. You must be identified as having a mental health illness or disorder. If you are not ill enough to cause a diagnosis, then insurance will not likely pay for guidance services. If you do are eligible for a mental health diagnosis, your illness will be listed in your long lasting medical record. A large number of counselors can’t stand this “medical model” of declaring someone ill, so they choose not to accept insurance because they want to give attention to their client’s talents, but not label them as mentally ill.

Do you want to be considered mentally ill? If you have a mental health diagnosis already, because you have been to guidance or psychiatric appointments during the past, find out what your diagnosis on file is. If you already have a mental health prognosis, this may well not be a concern to you, but if not, you might not exactly want this in your medical record.

Counselors also do not like publishing information to others to protect your confidentiality. When a claim is published to the insurance company, who knows how many people look into it and rubber stamp it while it travels through the system? If insurance will pay for any guidance sessions (in network or out of network), then the insurance company provides the right to audit your complete file. They can request copies of guidance notes, assessments, and other personal emotional information to determine if you truly are “sick enough” to warrant their payment. They will reject services to you if they think you not necessarily sick enough or if they think your therapies is not “medically necessary”.

Additionally, there are numerous counseling issues that are not even covered by insurance at all. Tension and anger management often taste unpleasant covered. Marital life counseling is not often covered. Certain medical conditions/mental health conditions may be excluded (such as attention deficit disorder or adjusting disorder). Even if your illness or disorder is covered by your insurance plan, they could limit the number of visits they may cover (sometimes only 20 per year), and they will set a maximum amount they are going to pay every calendar year or in your lifetime.

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