I'm afraid, about what might happen, my parents are being very weird about the insurance card thing....doesn't make quite much since to me. (if you read my other post my T asked for it) She had been seeing me almost for free for a long time kinda got mad at me for being selfish and I deserve it. Or Deserved it. Many things were out and about in that session except my voice I was in shock, I believe my T wasn't trying to hurt me, but did not knowing, or at least not by me saying I was mad. I guess what hurt more then anything is her asking if I wanted to come back.....she had never asked that before in almost 2 years of therapy......I have my doubts.....give me strength...

Thanks
Dustin

[MissCharlotte]

Dustin,

I did not follow the last thread so forgive me if this is a repeat.

If you live at home, you are legally covered under your parents health insurance until you are 19. If you are a full time student you are probably covered beyond that--to age 25. As an 18-year old you are an adult and you are entitled to call the insurance company on your own and ask for a card without your parent's permission. You can call and ask about mental health coverage. And, you can request privacy from your parents. They don't have to now about the call.

If you don't want to go through insurance you will have to get a part time job to pay for therapy.

Good luck.

Originally Posted by MissCharlotte

Dustin,

I did not follow the last thread so forgive me if this is a repeat.

If you live at home, you are legally covered under your parents health insurance until you are 19. If you are a full time student you are probably covered beyond that--to age 25. As an 18-year old you are an adult and you are entitled to call the insurance company on your own and ask for a card without your parent's permission. You can call and ask about mental health coverage. And, you can request privacy from your parents. They don't have to now about the call.

If you don't want to go through insurance you will have to get a part time job to pay for therapy.

Good luck.

Well I do have a part time job at the moment but that isn't the problem I have insurance my parents ( in the US for some reason I'm thinking you live in Canada sorry if I'm wrong) and it covers me up until age 25......but all in all even if I had to pay for it with a job there is no way I'd have to quit therapy because I only get 40 hours every 2 weeks maybe less this semester ( i work at the college ) and well, yes I could get another job but around my area 2 things....1. No one will work around a students schedule, and 2. If they did (i've looked into it) it would only be 10 hours a week 20 total for 2 weeks...after car payment,food(i have to have lunch mom buys nothing for me to take, and if i did i may as well buy Mcdonalds)....but all in all I'm just worried about my session.

my t has asked me if i wanted to return a few times after especially hard sessions...i think that is a "normal" thing...she saw you were upset with what she said and maybe with what you said to her and perhaps gave you the option of bowing out of therapy if YOU wanted. she wasn't telling you not to return...but providing you the choice to not do so if you chose.

moonkin saying any wages you might earn have to go towards food for lunch (and might as well be mickey d's)...well you know that's a sign of being an adult. you are 18 or 19 now...buy some cold cuts or lunch stuff and it comes out pretty cheap if you bring something...much cheaper than buying lunch out.

it's about being an adult and responsibility for one's being. i recall you worrying that your parents were stealing some money from your account...if you go to the bank they can fix it so no one has access to the account but you.

i don't think your t is trying to harm you. maybe she just needed to reestablish boundaries in order to prevent burnout. you have had nothing but praise for her in the past. if you feel she can still help you to heal then let her. don't fault her for asking for insurance info or for the amount she charges for her hourly fee. she is a trained medical professional...you wouldn't expect your medical doctor to work for minimum wage would you? why do you expect her?

personally i would giver her another chance. i know i tend to react in haste when i become upset. i know i need to go back and listen again to things when i am calmer and get a better take on the situation...because i find that what i heard and what was actually said are usuually two different things. but that is just me, and maybe not you.

good luck with your appointment.

[ECHOES]

Dustin, all you need is the information from the card so your T can bill the insurance company for her services. You can make a copy of the card and she can use that because all the information is there. Or, you can copy that information: the Group number, the Plan ID number or plan name, and the phone number for providers to call.
Maybe you could get this for her?

Perhaps there was some miscommunication around the insurance that you could clarify with her. Maybe she was expecting to have the insurance information provided to her at some point even though it wasn't available initially. It's something for you two to talk about and work out.

We sometimes do make great sacrifices for our therapy. We do without, earn extra income, use every resource available to us.. because it's that important to us.

[imapatient]

I'm not sure if you're in the US or not, but if so:

Health insurance in the US is regulated on a state-by-state basis. Laws vary. I've never heard of the requirement to be covered under parent's plan until 19 for any state--health policy is my profession—but where so, there are important reasons why that can't be true everywhere in a state by state law.

There's a kind of employer- or union--based health plan called "self-insurance" Under those plans there is no commercial insurer serving as the insurer. They frequently administer the plans, but don't insure. Self-insured plans cannot be regulated by states. Period. Hence, no state health insurance laws apply to those types of plans. That goes for being covered up to age 25 under whatever scenarios for self-insured plans. In my state that law has been changed to cover some non-students up to age 25, but given a number of conditions. 40% of Americans are covered under self-insured plans. What it all means is that you can’t look up state regulations that will tell you the coverage requirements of those plans, they vary plan-by-plan, i.e., you need to read a given plan’s policies to find out what you want. Which also can be the case for regular insurance plans because they all have to meet state regulations, but they can differ in other ways.

As far as being independent while under a parent’s plan and being able to avoid parental knowledge, if so in one state, that doesn't mean it's true elsewhere. Also, if your parent's insurance is used, as holders of the insurance policy, under all scenarios I know of, they'll get billing info, e.g. claims reports and possibly bills for co-pays, etc. I ran into that issue when I was 20 and separating from my parents but still covered under their plan for a brief period. They knew what I was up to that way in getting therapy.

Any info you get needs to be specific to your state; there is wide variance. There are only a few national health insurance regulations in the US.

If you want some info specific to your state, send me a message and I'll see what I can do.

Other than that, many/most colleges have student health insurance plans, are you able to get that?