Here in the USA there are lots of people who have therapy with HMO insurance. Im one of them. I have had no problem no matter what state I lived in with finding therapy options. The problem was me. I was looking for someone to fix me instead of people to help ME fix me.
Here in the USA therapists draw up individual therapy plans based on what each client needs. Yes some are textbook style - ALL my PTSD clients do this and that. But the bottom line is by isurance or not the client is in charge of their own healing and therapy. Therapists discuss only what the client brings into the conversations. Think about whats the first thing a therapist says. its "hi how are you?" not "hi ok today I want you to do this with me..."
Then based on what you tell the therapist to answer that question is what the therapist talks with you about.
If you don't like the textbook stuff then change how you enter your sessions.
My therapist will say "hi how are you?" and some days I dont answer that question. Sometimes I head right in with "Hi I brought something for you to see today." and pull out my journal, artwork or a project I am working on.
I usually sit down the night before my appointments and read my journals and so on and decide what I want to take into the next days therapy session.
A person enters therapy not just for the heck of it but because they see they have some problems to work out for themselves and they need a little guidance.
You want therapy and know you have lots of problems so start there sit down and write out what your problens are, what you have tried for solving those problems and brainstorm ways that you would like the therapist to help you with those problems.
Then you pick up the phone and call the HMO and ask them for a list of mental health professionals and agencies that they will cover and how many sessions they will cover. HMO's work in fiscal year time frames. the client has so many sessions each year. Then you take that list of professionals and pick up the phone and call, set up an appointment with someone.
then take that paper of your problems and possible solutions and how they can help you to your appointment. In the next 3-4 sessions you and the therapist develop goals around those problems and then its just a matter of you entering the sessions ready to work on those problems. because once a therapist knows what your problems and goals are they WILL and do set the sessions for working on those goals.
Therapists have many clients that work with HMO's so they are used to spacing the sessions out so the client has enough sessions to get them through the fiscal year and have a few left on the side in case the client needs emegency sessions. The insurance companies also send the therapists notices ahead of time to let them know when the person is running out of sessions for the fiscal year so the client and therapist can adjust their schedule or the therapist can apply for more time with the client.
My therapists have done it both ways adjusting my appointments and applying for more time. so that I have what I need to hold me from one fiscal year coverage to the next. I have had therapy non stop now for 5 and a half years. My present schedule is every other wekk. this way I have some on the side not only for emergencies but also if I want to attend the 13 week Depression management group that my therapy office has going.
if you don't like the way your sessions are run then change them. you wouldn't buy something in a store and keep it if you didn't like and use it right? therapy is the same way.
Hang in there.
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