RAGE

I finally found a good therapist who seems like she knows what she is doing. I was under the impression that my out of network benefits covered some of it, but apparently my out of network benefits do not cover ANYTHING unless I go over $5000. So basically I am going to have to pay $140 per session if I continue seeing her. This is ********. I don't know what to do now. I really don't feel like switching to a new therapist only to find out they have no idea what they are doing. And I really feel like this one understands me. This is not fair. People should not be put through this.

You're right. It sucks to be in this situation when you need help. Money just sucks. (ok, I'm in a mood where everything sucks today! LOL) Any way your T will lower the fee? I know my T is like $150 per session. But she has a deal with my insurance company, and only gets paid $90 or 100. It makes me feel like I'm worthless to her compared to private pay clients, but there must be a reason they allow this....

Hugs to you....

Congrats on finding therapist but why don't you see someone in network? I cannot see doctor out of network as no way I am paying out of pocket As i do not make enough. You can look into sliding scale too based on income

Sent from my iPhone using Tapatalk

Even the one's you think are good are not necessarily good (my own case in point). Just because you found a good one out of network does not mean you cannot find a good one within your network. You might ask her for a referral. If I were you I'd keep looking. The out of pocket cost is just too much. If more people stayed in network it would force the others to expand their insurance acceptance to stay in business.

It sucks, but it is the provider's prerogative to decide which insurance plans to accept, and deductibles are an unfortunate imperative when it comes to health insurance. The psychiatrist I see doesn't accept insurance point blank, and I honestly understand why. I get a migraine from just talking to customer service for five minutes.

I know it's a total bummer because you've already connected with this therapist you've been seeing, but I recommend going through your insurance plan's list of available in-network providers. The deductible you have to meet will be a lot less, and your copay will be easier to swallow too.

What's really ironic about this situation is that it's not really about therapy, or insurance. It's about therapists who charge like witch doctors. For $140 an hour, I better be getting some kind of existential insight every time I come. My house better be cleaner when I get home. My dog should be trained. I should have orgasmed once or twice.

I'm kidding, but Jesus wept. Therapists really rate themselves very highly, and they usually don't come through with the goods. I've spent over a thousand dollars on therapy for basically no return. There's no other profession that's allowed to scam people like the therapeutic profession.

(And no, they're not like doctors or lawyers, or almost any other professional which charges high rates for very specific, targeted, short term results. They're part of a very loosely defined system which provides dubious results if any at all, and most of them have absolutely no business charging what they do.) The only people I've ever met who didn't mind their therapist's fees were people who were paying a low co-pay per session, (under $40 usually) or people who were so attached (dependent) that they didn't want to think about how their therapist had basically drained their life savings in return for little more than hand holding.

Orgasm once or twice lol

Sent from my iPhone using Tapatalk

Can you work something out with your t where you pay a lower fee until you meet the deductible? I've done that with one t in the past, and it really helped to be able to stick with her. Bring it up with your t, you may be able to work something out.

My asking this isn't really helpful to you. I suppose I'm curious because whenever I've wanted to see a new therapist, their office staff made sure that my insurance was going to cover the visits. They had to get the visits pre-approved.

If they didn't accept my insurance, they would have told me that before I ever made an appointment.

Does your therapist have office staff or does she handle all her own billing and appointments? From the way your post is phrased, it makes it sound like you haven't paid her any money at all yet. Or maybe you mean that you have paid her $140 per session?