“Help-rejecting complainers”

And you missed the part where I clearly stated that my sessions never had to be authorized. Period. No calls were made for prior authorization. I just went to my sessions and they were covered. And it's quite clear you are not a therapist...of which I never had any doubt in the first place.

Your therapist never submitted any paperwork to your insurance company? Your insurance company never gave your therapist an authorization for treatment?

You're full of **** and you just don't know it.

EVERY healthcare provider has to make a call confirming coverage and the extent of services authorized. If you policy has no limits on mental health then you're in luck!

But that call was still made and that authorization still given, no matter what you may think.

What you don't know about what goes on behind the scenes in a practice... what happens when they photocopy your insurance card... would fill a very large book. If you think it's a "magical" process, well then you're "magically thinking."

Can't we all just play nice? Please?

No, my therapists do not call for authorization...no matter what you might think. As amazing (or magical) as it might sound, my therapists and I (I see two and they are both covered) communicate so I know exactly what occurs re:insurance...and of course they copy my card so they can file and therefore get paid. That part seems rather obvious. Verifying coverage is not the same as getting authorization, btw...I personally called over 5 years ago and verified my copay. It's unfortunate my answer is so difficult for you. However, it's the truth. I have nothing else to add here.

I think you may have skipped over the part of my response that mentioned my mental health benefits do, in fact, go through Magellan. Of course the codes still exist but as long as it is needed I can continue. It's not blanket coverage. Many mental health issues require long term care depending on individual situations.

Maybe it has something to do with the state I reside in. This state has it's own healthcare system in place so we aren't required to use the federal one.



It is standard in all plans now. Mental health coverage used to be extra/optional. The new laws apply to Magellan and CHIPPA and others. And no, I pay for an individual plan and do not go through government assisted healthcare, but I know many who do.

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Yikes! For real! And from a therapist!? (Sarcasm)

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Did anyone say it was really magical though? Obviously you're better than everyone here so please stop cursing at people and go pick on someone your own size.

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I agree / acknowledge your point. It is standard in all plans, Thanks be to God!

And yes, by diagnosis, etc, etc, etc, treatment can even be life long.

I'm not saying that treatment cannot last for years or even a lifetime, depending on the "presenting issue," I'm saying that there are indeed limitations and processes by which those limitations can be overcome to some degree.

My original point was to VALUE your time with your therapist for it is truly limited. To think that there is no checks and balances in the system is to deny reality. My "diagnosis" allows 8 visits in a 6 month period - use them or lose them. Need more, the therapist calls again. Either more visits are authorized OR they are denied and then the arguing with the managed care system begins.

I have never, ever, run into anyone who didn't have to have their coverage checked prior to services rendered unless they were self-pay. It's why when you make a first appointment they ask who is your insurance carrier and what's your policy number. It's why you sign a form on your first visit that says you agree to be personally responsible for your co-pays and for uncovered services if any.

A therapist makes a contractual deal with a managed care "third-party payer" to provide X service for Y dollars. That's how they get listed on their roles as providers.

I did miss the part where you mentioned Magellan. You're in luck! They're not the worst! MINE is the worst, but I won't say who they are.

Magellan is the "big fish" in the pond these days, though that is cyclical. For example they had a billion dollar contract in Arizona for the last many years which they recently lost.

If you're on a government program remember, contracts (even in healthcare) usually go to the lowest bidder.

And again, YES! and thank God it is standard. Now let us hope the premiums stay reasonable come November after the insurance company's actuarial staffs have an opportunity to look at the bottom line.

Back to Amelia's original thoughts and questions... Insurance or no insurance, limited appointments Or unlimited appointments.... There's still no excuses for therapists to allow clients to sit around and live in their misery forever due to lack of progress and the T failing to observe and redirect destructive patterns.

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I don't think therapists can allow or prevent a client from doing what the client wants. Therapists don't have to work with clients they don't like and vice versa - but a therapist is not able to prevent a client from doing anything but seeing that particular therapist.

Couldn't agree more with the last paragraph here. I don't see how premiums could remain lower at this rate but guess we will deal with that mess once it starts!



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Because of some unsupportive arguing in this thread recently, I'm going to close it while we discuss what to do with it.