Home Menu

Menu



advertisement
Reply
Thread Tools Display Modes
shichi
Member
 
shichi's Avatar
 
Member Since Jun 2010
Location: Australia
Posts: 55
14
Default Jul 28, 2010 at 07:38 AM
  #41
Yet another Aussie here.

The government covers for my tdoc through the Mental Health Care Plan - I get 18 sessions per calendar year. Tdoc keeps a count of how many sessions we've had so far; haven't had to pay anything directly to her.

I see a private pdoc, I pay about $190/session as our sessions are "longer than 30mins but less than 45mins in duration" [as per my receipts]. Medicare gives me a rebate so i get some of the money back - I think it's 40% off the top of my head. Luckily I have some decent savings from when I was working full-time and I'm a fairly frugal person, so I've been able to afford him.
shichi is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky

advertisement
PleaseHelp
Wise Elder
 
PleaseHelp's Avatar
 
Member Since Oct 2008
Location: in my own mind - most of the time
Posts: 9,843
16
529 hugs
given
PC PoohBah!
Default Aug 05, 2010 at 10:43 AM
  #42
I recently lost my insurance b/c I lost my job. When I tried to apply for insurance on my own, through the same provider that my old job had, I was denied insurance b/c of my mental health! Lovely isn't it. They told me to get in contact with this other group that helps cover high risk insurers (like me), so I called. $500/month for insurance! But I still need to pay all the copays and so forth! OK my monthly income is about $1200/month! How am I suppose to pay the rest of my bills and my perscriptions. So that option is out.

I'm currently waiting to get into our local human service center. I've had intakes and wont have to pay any money b/c I don't make enough money. However, they don't have the best Ts and I have to video conference with a pdoc. Well I can't "see" the pdoc until the end of this month. Which means they wont help with my meds until I have an evaulation with pdoc. I'm going to run out of meds before then. Not sure how I'm going to pay for my meds - they run me about $400/month! OK I'll get off my soap box.
PleaseHelp is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
Nupoet64
Poohbah
 
Nupoet64's Avatar
 
Member Since Jul 2010
Location: Texas
Posts: 1,004
14
Default Aug 06, 2010 at 12:48 AM
  #43
It is very frustrating. I am also unable to work. I have no income. My husband is the only one working. Two years ago, I became unable to work adn he lost a job in management that he had for 24 years. Our household income dropped 65%.
I am currently seeing a T through a local Church program. They are funded through the church and I pay a very low sliding scale fee...$10 a session.
I am not currently taking any meds, but i know that alot of the med companies will sell directly to the patient at a reduced price, if you can get you pdoc to assit you with the paperwork. Ask them about it, there are programs for it. They do not volunteer this information...but being a "used to be" nurse, lol, I know these things...
The bad part of getting assistance for therapy, I end up with conventional therapy for depression or anxiety, but nothing forcusing on my PTSD...this is not helping.
It is quite frustrating. I need intensive treatment for repressed memories, but the 10 week program is $30k. That will never happen...PTSD specific therapy in my area runs about $190 / per session...out of pocket. I have no insurance and no income.
I hate that people make so much money off others' suffering.
Sorry for the rambling....

__________________
....the axe soon forgets, but the tree remembers forever... (Chinese fortune cookie)
Nupoet64 is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
imatter2
Member
 
Member Since Aug 2010
Location: Idaho
Posts: 168
14
Default Aug 07, 2010 at 10:49 PM
  #44
I have private coverage through my husband's employer. Though I'm on Disability, his coverage is way better than Medicare's so we use that instead.

Prior to his current job and my approval for disability/medicare, we sold a lot of our stuff and downsized our home in order to pay medical bills, and went into debt. I got most of my meds as samples from my wonderful pdoc - sure it meant I was taking 47 pills a day in order to achieve my doses but what the heck!

I also utilized foreign pharmacies for the meds she couldn't help me with, specifically www.canadapharmacy.com. The cost savings were enormous.

__________________
Faith

Love


Ketones
imatter2 is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
sunsetsunrise
Poohbah
 
sunsetsunrise's Avatar
 
Member Since Jun 2009
Posts: 1,096
15
210 hugs
given
PC PoohBah!
Default Aug 14, 2010 at 03:08 AM
  #45
I just got accepted on to disability. I thought it would be a good thing. They are paying me just a teeny amount. because I was never able to work much. Then they are deducting money from that to pay for medicare. It took me two years go get disability so i am on medicare immediatly upon acceptance to disability.

I had great insurance for free because the state I live in is very humaine to people who do not earn much. I began going to an awesome therapist. First good break for me in a longggggg time. Now I got disability I got dropped from the state good insurance. And it turns out medicare does not pay for this kind of therapist. I think its LCSW or something like that. They do not cover any of them. i will spend much of the money disability pays me for supplimental insurance and still the therapist will not be covered. I will also have part D but am already preparing for high copayments for medications. I am weaning myself off of the medications I am on. I wish I lived in a different country where the disabled and elderly were treated better. My therapist is awesome. she says that she will not stop treating me. She said she would barter. I have nothing to barter though. I am a shell of a person at this time. filing for disability took a lot out of me. It was a long hard battle to convince them that I am mentally ill. Because I waited a long time before applying. I was too ashamed to apply when i could no longer work. The battle depleted me. I dont have anything left to give for barter. The pain and depletion is very hard.
sunsetsunrise is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky, SouthernSoul
 
Thanks for this!
MickeyCheeky
bfralex
Junior Member
 
Member Since Dec 2016
Location: arizona
Posts: 17
7
5 hugs
given
Default Dec 28, 2016 at 10:12 PM
  #46
Quote:
Originally Posted by DocJohn View Post
This forum is for the discussion of paying for treatment -- the pitfalls and ways to navigate the multitudes of health care systems.

Enjoy!
DocJohn
Depends on your insurance, like for mine, I have a copay for PCP visits and specialists, which is a little more. Then there's a spend down limit which is like $3500 for me I think, where I have to pay for my bills up to $3500 per year and then my insurance will kick in and pay for anything in excess
bfralex is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
Bird Feeder
Member
 
Member Since Oct 2009
Location: Ohio
Posts: 300
15
14 hugs
given
Default Jan 06, 2017 at 06:09 PM
  #47
I carry the insurance for my husband and myself. I pay all my bills up to 3150.00 per person, after that the person is covered 100% in network. My meds go towards my deductible so I meet the $3150.00 fairly quickly. I am blessed that my insurance allows me to have ECT every 2 weeks for the past 3 yrs. It has allowed me to continue to work and lead a life without suicidal ideation or even acting on my suicidal thoughts.
Bird Feeder is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
pamdenise
New Member
 
Member Since Jan 2017
Location: San Leandro
Posts: 2
7
1 hugs
given
Default Jan 28, 2017 at 02:20 PM
  #48
I'm trying to figure that out. I'm going thru the worst financial crisis of my life and have no medical insurance. I work full time managing a dental practice but as a small business he's exempt from providing it. I don't qualify for medical because of my job. I'm afraid not to see someone because It's gotten unmanageable.
pamdenise is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky, SouthernSoul
 
Thanks for this!
MickeyCheeky
reb569
Poohbah
 
reb569's Avatar
 
Member Since Feb 2017
Location: Central New York
Posts: 1,229
7
297 hugs
given
PC PoohBah!
Default Mar 12, 2017 at 05:42 AM
  #49
I've taken a break from therapy due to finances, but will be starting back up soon. I have insurance for myself and my daughter through my work. My daughter is 18 has been diagnosed MDD, Bipolar 2, Anxiety Disorder. I'm on a high deductible health plan with an HSA account. The premiums are about $80 every two weeks, but my company puts $60 each payday in my HSA (not out of my pay), and I put in $120 each payday. The first $3500 of expenses, including prescriptions, is out of pocket, then the company picks up part of the expense up to my max out of pocket of $7000.

Last year, because I had some major bills for my daughter at the end of 2015 that I didn't pay for until early 2016, I paid out close to $10,000.

Anyway, my main goal now is to cover my daughters expenses (meds $355 a month, Pdoc & therapist $400 to $500 a month, bloodwork about $600 a month) until I have paid out the initial $3500, then return to therapy once my insurance is paying part of the expense. It won't be long, but the billing is very slow right now, so I'm thinking it will be close to May before I'm sure that the $3500 has been covered.

__________________
"Do you know what’s really scary? You want to forget something. Totally wipe it off your mind. But you never can. It can’t go away, you see. And… and it follows you around like a ghost."
~ A Tale of Two Sisters (Janghwa, Hongryeon) (2003)

"I feel like an outsider, and I always will feel like one. I’ve always felt that I wasn’t a member of any particular group."
~ Anne Rice
reb569 is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
Thelost1ssoul
Junior Member
 
Thelost1ssoul's Avatar
 
Member Since Feb 2017
Location: oklahoma
Posts: 15
7
5 hugs
given
Default Mar 24, 2017 at 12:49 AM
  #50
Your damned if you do have insurance, and damned if you don't. I have it, and can't afford freaking copays. Can't get it free now because i have Insurance. And I finally found a therapist with 30 plus yrs trauma therapy experience and I still can't see her because of lack of funds for copays and transportation. I was supposed to go to a residential trauma treatment facility directly out of inpatient, but insurance doesn't cover it of course. Even though I want to seriously kill myself everday because I can't stand how much of a freak I am, and can't stand dealing with night terrors, flashbacks and panic attacks anymore.
I haven't been to therapy in at least three weeks. I have no support system, and I'm isolating more and more

Last edited by Thelost1ssoul; Mar 24, 2017 at 12:55 AM.. Reason: forgot something
Thelost1ssoul is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky, SouthernSoul
 
Thanks for this!
MickeyCheeky
brianltb
Member
 
Member Since May 2017
Location: wildwood
Posts: 37
7
2 hugs
given
Default May 05, 2017 at 12:32 PM
  #51
I have no health insurance i just found a great theperiest to go to and they are working with me the best they can until i can get on disability.To those who have no health insurance dont give up keep on trying to find someone who will work with you.
brianltb is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky, Moonrider125
LadyShadow
Wanderer of Distant Stars
 
LadyShadow's Avatar
 
Member Since May 2012
Location: North Carolina, USA. Originally New York
Posts: 25,786 (SuperPoster!)
12
14.9k hugs
given
PC PoohBah!
Default May 05, 2017 at 12:42 PM
  #52
I have Medicare because they say I make too much on disability (what a crock), but it covers most of my therapy and some of my medications. I pay a $10 copay every time I see my psychiatrist and therapist, and probably around $60 a month for meds. It is really killing me though, every month is such a financial pinch.

__________________
Tales of Love, Motivation, and An Interesting Journey - Please Subscribe to my Website on WordPress:
Inspired Odyssey's Path to Wellness and Love
LadyShadow is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
Anonymous40413
Guest
 
Posts: n/a
Default May 06, 2017 at 10:09 AM
  #53
My parents pay my insurance and deductible. Insurance pays the therapy agency. The agency pays my T's and pdoc's salary.
  Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
Unrigged64072835
Legendary
 
Member Since Oct 2010
Location: Under the noise floor
Posts: 18,579 (SuperPoster!)
14
11.8k hugs
given
PC PoohBah!
Default May 06, 2017 at 01:57 PM
  #54
Medicare pays for most of it. TRICARE for Life pays the rest. I pay Medicare Part B premiums.
Unrigged64072835 is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
CalamityJane425
Member
 
CalamityJane425's Avatar
 
Member Since Apr 2017
Location: Washington
Posts: 148
7
37 hugs
given
Default Jul 03, 2017 at 07:21 AM
  #55
Hello,
As a woman who has multiple cognitive issues this is a good topic. Me personally, I've had no help whatsoever so this journey on getting mental health help was a lot like trying to navigate a jungle without a Sherpa to guide me. Years of doctors who wouldn't listen or who would give me a look as if to say "why are you wasting my time" . However what I've learned through the many, many years of trying to find help is good old fashioned footwork which included a non profit agency that helps women who can't afford therapy, useless mental health agencies that didn't seem to care to calling a variety of therapists who reject you b/c they aren't taking on any new clients. When you manage to find a therapist who has an opening your next step is to find out their fees. Most if not all take insurance. I haven't found one that will take Medicare which I get from my disability. I finally found one that doesn't take insurance however her fees were a bit on the pricey side. She was able to lower her rate by 50 dollars which I can manage.
Finding treatment isn't easy at all! It's real confusing, then you have to do so much calling around, going to bad MH agencies, therapists, its a nightmare all the while it seems that no one cares what your going through. This is really scary when your going through this alone, you have your only surviving parent who abused you tell you that they don't know how to help you ( a major dead end). This is why the majority just give up.
Mental Health system needs a major overall. It needs to be a bit easier & less of a hassle.

__________________
Wounded Warrior
CalamityJane425 is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
Guiness187055
Elder
 
Guiness187055's Avatar
 
Member Since Mar 2017
Location: Florida
Posts: 5,057
7
970 hugs
given
PC PoohBah!
Default Jul 04, 2017 at 01:23 PM
  #56
I pay $200 a visit with pdoc. Luckily I am about to go to once every three months as I am pretty stable.

__________________



Guiness187055
Moderator
Community support team
Guiness187055 is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
healinginprogress
Member
 
Member Since Jul 2017
Location: USA
Posts: 394
7
69 hugs
given
Default Jul 23, 2017 at 09:35 PM
  #57
I pay cash for my therapist as she doesn't take insurance (and I have no out of network benefits). Insurance covers my pdoc and meds though with a copay.

__________________
Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.

~Dr. Seuss
healinginprogress is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
Starving2death
Member
 
Member Since Jul 2017
Location: Maryland
Posts: 43
7
3 hugs
given
Default Jul 27, 2017 at 06:39 AM
  #58
I was assigned Medicare when I went on social security disability. Medicare is very weak health insurance that got cut when Obama decided to water it down so he could force Obamacare on America.
Now I get notices on a regular basis stating my benefits have been cut. Thanks politicians.

I'm broke all the time b/c providers charge me for the reduced reimbursment rates Medicare adopted.
Starving2death is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
Change1954
Junior Member
 
Change1954's Avatar
 
Member Since Aug 2017
Location: Pennsylvania
Posts: 18
7
2 hugs
given
Default Aug 09, 2017 at 07:12 PM
  #59
Have health insurance through my employer. Co pays 25 per visit. Also see my pcp every three months Co pays are 20 per visit. Use fsa card in which contribute money before taxes.
Change1954 is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
Guiness187055
Elder
 
Guiness187055's Avatar
 
Member Since Mar 2017
Location: Florida
Posts: 5,057
7
970 hugs
given
PC PoohBah!
Default Aug 11, 2017 at 01:13 PM
  #60
My doctor does not take insurance so I pay cash.

__________________



Guiness187055
Moderator
Community support team
Guiness187055 is offline   Reply With QuoteReply With Quote
 
Hugs from:
MickeyCheeky
 
Thanks for this!
MickeyCheeky
Reply




All times are GMT -5. The time now is 12:31 AM.
Powered by vBulletin® — Copyright © 2000 - 2024, Jelsoft Enterprises Ltd.



 

My Support Forums

My Support Forums is the online community that was originally begun as the Psych Central Forums in 2001. It now runs as an independent self-help support group community for mental health, personality, and psychological issues and is overseen by a group of dedicated, caring volunteers from around the world.

 

Helplines and Lifelines

The material on this site is for informational purposes only, and is not a substitute for medical advice, diagnosis or treatment provided by a qualified health care provider.

Always consult your doctor or mental health professional before trying anything you read here.