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. Oftentimes mental health issues are not covered by your overall health insurance. Once you use your quality of life insurance for mental health, you will have a mental health analysis 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. travel insurance indonesia

Naturally you want to consider using your health insurance for counseling, but there are some good reasons so that you can consider why you may well not 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 concentrate 100% of their time in treating you. In the event they accept health insurance, there exists 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 must file improvement reports with the insurance company. The counselor is required to submit treatment reports and other details about your medical background 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 want to focus fully of their time and energy in helping clients, rather than doing paperwork for insurance companies.

Yet this isn’t the only reason counselors may well not take network with your health insurance carrier.

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 health care insurance leaves the safeguard 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 looked at “ill”. You must be clinically determined to have a mental health illness or disorder. If you are not ill enough to cause a diagnosis, then insurance will never pay for guidance services. If you do are entitled to 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 strong points, and never 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 before, find out what your diagnosis on file is. If you already have a mental health analysis, this may well not be a concern to you, but if not, you might not exactly want this in your medical record.

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