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. cigna switzerland

Although using health insurance for mental health services is a little different than other medical issues. Oftentimes mental health issues are not covered by your wellbeing insurance. Once you use your quality of life 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 fund treatment. This will be in your long lasting medical record. 

Certainly 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 insurance?

Many counselors choose to never accept health insurance for very good reasons. They want to concentrate 100% of their time in treating you. If perhaps they accept health insurance, there is also a lot of extra work linked to accepting insurance, in conjunction with tallying to work for a reduced fee. The counselor may spend hours on the phone getting profit 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 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 opt to focus fully 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 have network with your health insurance provider.

The other reasons are more compelling, and you need to consider them BEFORE you make a decision to use your overall health 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 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 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 is not going to 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. Various 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 advantages, 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 counselling or psychiatric appointments in past times, 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 may well not 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 look into 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 truly are “sick enough” to warrant their payment. They will refuse services to you if they think you usually are sick enough or if they think your guidance is not “medically necessary”.

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