Quote:
Originally Posted by NP_Complete
I got insurance to pay for 3x/week for a few months but then they said that I need a higher level of care if I'm going that often. Now they will only pay for once a week. Any additional sessions are at the full negotiated insurance coverage rate. My T's out-of-pocket rate is $120, which is what I paid before I started using my insurance. I'm paying $92.50 now for sessions above the one a week allowed.
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Yeah, I think once you hit 3x/week, they start thinking a higher level of care might be necessary if you continue to need that frequency. The period when I saw my T that often coincided with placement in a therapeutic group home and several hospitalizations - which are extremely expensive. I actually got approved for Medicaid in addition to my BCBS because of my treatment needs. Their goal is to find the most cost-effective treatment. Sorry you're having to pay so much... My T charged $120 for the intake and $60 after that until I hit my deductible. Have you considered whatever the higher level of care is that they're recommending?