Funding for a Good Psychyatrist

Hi,

I just started with a top psychiatrist for medication analysis and psychoanalysis. He charges $275 per 3/4 hour sessions. I have insurance but will only pay in network and he is not. Is there any way or place I can get large sums of money from organizations or other so I can get the best help I need?

Thank You,

chapsych26

Hiya,

You might be able to make a case to your insurance that he is who you need, i.e. the best out there to help you. they may cover a portion. i had an expensive psych years ago and my insurance would cover part of her even though she was out of network. read your insurance plan in detail and call the help number to see what's out there. Also visit 211.org or call 211 from your phone for referrals, information etc.

Love and hugs,
Tara

I think you might have to work it out with him as analysis of that sort/cost isn't generally done these days; I think in the past the patient and psychoanalyst often did a pact and you just kept paying, even after therapy, kind of as if you had a student loan for school?

Otherwise, I would get a personal loan if you can or take out a "new" credit card (that has checks if he doesn't take credit cards) or something of that sort if you're able (or have someone who will help you like a parent/very good friend)?

I don't know how long you are planning/wishing to see this doctor and whether your insurance pays anything for out of network (mine pays 50% out of network), etc. but I would do the numbers ($275 x 40 sessions/yr. would be $11,000) and see how much you could get from insurance, how much you could contribute, how much you'd have to borrow "ahead" (maybe borrowing $5,000 and "saving" $50 a week of your own money, by the time the $5,000 was used up (18 sessions/weeks at original $275) you would have an additional $900 saved and would be continuing to save during the usage of that so would have 4 sessions, etc.), think of all/multiple possibilities from all angles.