Insurance is great, for the most part. Medically you can financially drown without it. If the death of a loved one occurs and you have it, life insurance is a nice cushion that can allow you to have time to grieve without losing your shirt. In the mental health world, using insurance is more like a weekend in Vegas.
IF the insurance agrees that you have a certain mental health issue and IF it so happens that the issue is something they cover, THEN you may only end up paying for a co-pay once your enormous mental health deductible is met. Here are the top three reasons why you should be grateful BRICKS doesn’t accept insurance.
REASON 1: YOU ARE NOT JELLO, THEREFORE YOU DO NOT BELONG IN A MOLD.
Insurance companies only pay for certain kinds of sessions and certain diagnoses. Yes, that means that someone behind a desk in a cubicle is telling you what should be wrong with you and what’s more, if you should have an individual, marital or family session (a lot of times they only cover individual sessions, by the way). By not taking insurance I can make sure that you have the kind of sessions you need and the treatment you need according to what’s really going on, not what your insurance company will pay for. You get the correct diagnosis matched to the correct treatment plan, no strings attached.
REASON 2: PAPER DOLLS ARE GREAT. PAPER THERAPISTS, NOT SO MUCH.
Insurance companies only pay for certain therapists, meaning that if a specific therapist isn’t on their panel, they don’t cover the treatment. Even “out of network” benefits aren’t really a benefit...they’re just more fiery hoops for you and your therapist to have to jump through. The process a therapist goes through to be on insurance panels has very little to do with their skill set, the quality of treatment you’ll receive or the kind of therapist they actually are and more to do with how they look on paper, if the panel is accepting new providers or if an agency as a whole is covered by them. I want you to be the one who decides if I’m a fit for you, not your insurance company.
REASON 3: HOOPS ARE FOR DOGS AND BASKETBALLS, NOT PEOPLE.
The process of hoop jumping (filing claims, waiting for approval or denial, waiting on payment, collecting on payment) is time consuming. I’d much rather spend that time strengthening my family or helping you strengthen yours. Plus, therapists that actually have their eyebrows are far more pleasant to look at than those who have ripped theirs out after countless hours of dealing with insurance companies and claims.
By not accepting insurance, I’m able to treat you for the issue you bring to me, in a way that is best suited for you, allowing you the opportunity to see if we connect or not...all while my eyebrows and your dignity remain intact. You’re welcome :).
DISCLAIMER: The opinions expressed in this post are from personal and professional experience. I’m in no way saying that every insurance company always responds to mental health in this regard. You know better than anyone how your specific insurance company handles mental health. Use the gift of discernment as you proceed :).
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