Quote:
Originally Posted by musinglizzy
I use insurance also. I would pay what your T is offering..... it shows they care for your well being enough to make it easier for you to continue!
Me being on insurance, I have actually wondered if Ts prefer insurance or private pay.... I wonder if they get less for us insurance folks. I'm guessing they do. Insurance companies seem to like to negotiate on stuff like that.
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Ts prefer private pay because insurance companies are a royal pain-in-the-*** to deal with (some more than others). Also, insurance companies have "allowed amounts"...some insurance companies have higher "allowed amounts" than others. (My previous insurance "paid" my Ts much less than my current one does.)
So for example, a T bills $120 for an hour appt. With insurance, the "allowed amount" may be something like $80. So the T is paid $80 plus the copay paid by the client.
That being said,
most Ts could not survive in private practice w/out insurance clients. The ones I have come across who don't take insurance are the ones who are very well-established and are most likely heading towards retirement.