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

Really want to use your health insurance for counseling? Isn’t that what for?

Perhaps.

Yet using health insurance for mental health services is a little different than other medical issues. Often mental health issues are not covered by your overall health insurance. Once you use your wellbeing insurance for mental health, you will have a mental health prognosis on file – a mental health disorder/mental health illness must be on the claim in order for insurance to cover treatment. This will be in your long lasting medical record. http://www.vietnam-plans.com/liberty/

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

Why does not my counselor accept my medical insurance? 

Many counselors choose never to accept health insurance for very good reasons. They want to target 100% of their time in treating you. If perhaps they accept health insurance, there is also a lot of extra work associated with accepting insurance, in conjunction with saying yes to work for a reduced fee. The counselor may spend hours on the phone getting advantage information, authorizations, or pursuing up on claims obligations. The counselor has to wait per month for repayment from the company. The counselor needs to 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 consultants 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 completely of their time and energy in helping clients, rather than doing paperwork for insurance companies.

Nevertheless this isn’t the single reason counselors might not exactly 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 wellbeing insurance.

Many counselors prefer not to work in network with health insurance companies so that they can better protect your discretion. Details (claims, reports, or treatment plans) filed with health care insurance leaves the security with their office and their locked files and your personal, private, mental 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 regarded as “ill”. You must be identified as having a mental health illness or disorder. If you are not ill enough to justify a diagnosis, then insurance will never pay for therapies services. If you do are entitled to a mental health diagnosis, your illness will be listed in your everlasting medical record. Various counselors abhor this “medical model” of declaring someone ill, so they choose not to accept insurance because they want to give attention to their client’s advantages, 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 therapies or psychiatric appointments in past times, 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.