While counseling is certainly a commitment of resources, it is often worth the investment.
Anyone who has completed a successful course of therapy can confidently attest to its value. But, “Why is therapy a good idea? What does it accomplish?” The therapists at Postpartum Wellness will arm you with new tools to help you avoid emotional roller coasters. The beauty of therapy is learning how to live life in new and healthy ways that protect your mental state. Therapy requires commitment, time, emotional vulnerability, and financial resources.
Counseling at Postpartum Wellness can be paid for with insurance if you have a plan that will reimburse for an out-of-network provider. At the end of each counseling session, we will provide you with an invoice (“superbill”) that has the information necessary to seek reimbursement from your insurance company.
Most insurance companies will reimburse 25-75% of the cost for each counseling session.
Another option to pay for counseling services is to use a HSA (health savings account).
Here is an article, "How to Afford Therapy with an Out-of-Network Therapist."
Choosing an out-of-network counselor can be scary!
Why would you even consider meeting with a counselor that does not accept your health insurance?
By working with an out-of-network counselor, you will receive high quality, personalized, and one-on-one treatment to manage your pregnancy or postpartum struggles. You and your counselor will be able to work together to meet your needs, rather than your healthcare insurance dictating how your counselor provides your treatment. This unique collaboration will result in amazing outcomes!
If choice, flexibility, confidentiality and autonomy are important to you, you should consider paying for your own mental health treatment. It may be the best investment in your future you ever make.
Choice. Would you like to choose your own therapist? Most people prefer this freedom. If you want to choose a therapist based on credentials, reputation, experience, and personality “fit,” you likely will have to pay for the treatment yourself.
Confidentiality. Have you ever worried that your decision to see a mental health therapist could come back to haunt you? When you use your insurance benefits, perhaps you should worry. There has been an alarming increase in cases in which consumers have been turned down for life or health insurance because they had sought mental health counseling at some point in the past. Managed care and insurance companies have been known to share banks of data with other companies in return for similar favors. Is this illegal? Usually not, because insurers require that you sign a general release of information when you apply for benefits. That puts you in a bind: Sign the release of information and give up the right to privacy, or lose your benefits.
Personal Growth. Clients receiving services from a provider who contracts with a managed care plan generally receive ultra-brief “crisis counseling. ” Some managed care companies even provide a standardized template that instructs counselors “how to treat” specific problems. Their only goal is to return the client to his or her prior level of functioning (i.e., symptom reduction). If you wish to achieve a deeper understanding of how your problem developed, to make lasting changes in your life and stop repeating dysfunctional behavior patterns, then you will be better off purchasing psychotherapy from an independent provider. You and your counselor create the goals for therapy and have total control over the processes used to reach these goals. Excellent mental health services can help you overcome living problems, resolve relationship struggles, become more productive on your job and improve your physical and spiritual health. There should be no substitute for quality.
YOU WILL NEED TO RECEIVE A DIAGNOSIS | Health insurance will cover the costs of counseling services when we provide them with a mental health diagnosis. Even if it's not appropriate, we would need to diagnose you with a label. Often times, people come into counseling to process life stressors that do not warrant a diagnosis and we don't want you to have a diagnosis in your permanent record when it's not applicable.
YOUR HEALTH PLAN WILL DECIDE YOUR TREATMENT | An insurance company outlines the type of counseling you are eligible for, how often you are allowed to meet with a counselor, and for how long you can receive services. This is extremely limiting because you may want shorter/longer sessions, come in twice per week or once a month. You should have the freedom to decide what is best for you.
CONFIDENTIALITY | Insurance companies require us to share your information with them. This increases your risk of exposure because insurance companies can disclose your diagnosis upon request for federal background checks and a variety of other reasons.