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 insurance hk

Although using health insurance for mental health services is a little different than other medical issues. Occasionally mental health issues are not covered by your wellbeing 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 purchase 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 that you can consider why you may well not want to use your insurance for counseling services.

Why does not my counselor accept my medical health insurance?

Many counselors choose to not 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 involved with accepting insurance, in conjunction with saying yes 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 background 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 totally of their time and energy in helping clients, rather than doing paperwork for insurance companies.

Although 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 make a decision 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 insurance leaves the safety 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 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 not likely pay for therapies services. If you do be 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, rather than 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 medical diagnosis, this might not exactly be a concern to you, but if not, you might not exactly want this in your medical record.

Counselors also do not like liberating information to others to protect your confidentiality. When a claim is published to the insurance company, who knows how many people have a look at it and rubber stamp it while it travels through the system? If insurance will pay for any therapies sessions (in network or out of network), then the insurance company gets the right to audit your complete file. They can request copies of counselling notes, assessments, and other personal emotional information to determine if you actually are “sick enough” to warrant their payment. They will refute services to you if they think you not necessarily sick enough or if they think your counselling 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 realignment disorder). Even if your illness or disorder is covered by your insurance plan, they might limit the number of visits they may cover (sometimes only 20 per year), and they will set a maximum amount they may pay every calendar year or in your lifetime.

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