Why You May NOT Want to Use Your Health Insurance for Counseling

Really want to use your health insurance for counseling? Isn’t that what for?


Nevertheless using health insurance for mental health services is a little different than other medical issues. Occasionally mental health issues are not covered by your quality of life insurance. Once you use your overall health insurance for mental health, you will have a mental health prognosis on file – a mental health disorder/mental health illness must be on the claim in order for insurance to purchase treatment. This will be in your long lasting medical record. Medicare Advantage reviews

Naturally you want to consider using your health insurance for counseling, but there are some good reasons that you can consider why you might not exactly want to use your insurance for counseling services. 

Why will not my counselor accept my medical insurance?

Many counselors choose never to accept health insurance for very good reasons. They want to target 100% of their time in treating you. In the event they accept health insurance, there exists a lot of extra work associated with accepting insurance, in conjunction with tallying to work for a reduced fee. The counselor may spend hours on the phone getting advantage information, authorizations, or pursuing up on claims obligations. The counselor has to wait per month for repayment from the company. The counselor must file improvement reports with the insurance company. The counselor is required to submit treatment reports and other details about your medical background with the insurance company.

It’s not that advisors don’t like insurance companies, or don’t want you to use your insurance (we have health insurance too! ), but many counselors opt to focus totally of their time and energy in helping clients, rather than doing paperwork for insurance companies.

Although this isn’t the only reason counselors might not exactly maintain network with your health insurance carrier.

The other reasons are more compelling, and you need to consider them BEFORE you make a decision to use your wellbeing insurance.

Many counselors prefer not to work in network with health insurance companies so that they can better protect your privacy. Details (claims, reports, or treatment plans) filed with medical insurance leaves the security with their office and their locked files and your personal, private, psychological information is outside of your counselor’s office. In order for any insurance company to reimburse or pay for counseling (both in network and away of network), you must be looked at “ill”. You must be clinically determined to have a mental health illness or disorder. If you are not ill enough to bring about a diagnosis, then insurance will not likely pay for counselling services. If you do are eligible for a mental health diagnosis, your illness will be listed in your everlasting medical record. Various counselors abhor this “medical model” of declaring someone ill, so they choose not to accept insurance because they want to give attention to their client’s strong points, rather than label them as mentally ill.

Do you want to be considered mentally ill? If you have a mental health diagnosis already, because you have been to counselling or psychiatric appointments in past times, find out what your diagnosis on file is. If you already have a mental health medical diagnosis, this might not exactly be a concern to you, but if not, you might not exactly want this in your medical record.

Counselors also do not like launching information to others to protect your confidentiality. When a claim is posted to the insurance company, who knows how many people look into it and rubber stamp it while it travels through the system? If insurance will pay for any therapies sessions (in network or out of network), then the insurance company has got the right to audit your complete file. They can request copies of guidance notes, assessments, and other personal emotional information to determine if you actually are “sick enough” to warrant their payment. They will reject services to you if they think you usually are sick enough or if they think your counselling is not “medically necessary”.

Leave a Reply

Your email address will not be published. Required fields are marked *