It is difficult to find the right therapist. Finding insurance can be much more difficult.
Insurer Mental health parity and addiction equity method. But almost A. third The therapist still does not accept the number of customers who still do not accept insurance at all. In progress TherapistIt was worse by infectious diseases, making the hunting of the supplier more difficult. Therapists who are insurance are often Totally booked.
And it is that that accepts insurance PrivilegeIt’s like a wider access to a larger client pool.
Then why aren’t the therapist initially accept insurance? It doesn’t pay a lot of money and can be really cumbersome.
Low wage
2023 Government Responsibility Officereport The low insurance repayment rate was concluded that mental health care was one of the main reasons why it was not too accessible. The therapist is not much because it does not recover the cost by insurance. stimulation To accept it.
nation Average cost Psychological therapy sessions are $ 100- $ 200 per hour. Various Based on the demand for state, license, specialty and service. The repayment rate cannot be used publicly, but we are lowSometimes A fountain The cost of providing treatment.
For example, commission service Medicaid In 2022, the fee for general psychiatric services, including psychotherapy, 81% To Medicare Rate. And there is already a Medicare repayment rate for behavioral health. lowAbove all, it’s much better Other medical providers It is repaid.
Providers who work for personal insurance can say that it can be a repayment rate.insult. ” It also does not help the rate from increasing significantly. Decades.
given Overhead cost If you have a license and own or participate in personal practices, these low rates are impossible. In addition, the salary therapist of the community rehabilitation center is often Much lessAbout $ 30,000 per year.
The final result is that the job is not financially attractive. Contribution Temple of therapists.
Insurance is also a pain.
Beyond salary Logistics It is another reason for mental medical service providers that often come out with insurance.
First of all, administrative responsibility is added. You need a learning curve to file an insurance claim and advocate on behalf of your customers. It takes a lot of time to qualify with an insurance company, and the repayment is not immediate.
Insurers also affect the treatment provided. For example, to receive repayment, the therapist must be officially diagnosed. This can be a problem because mental health diagnosis is not always. Helpful For treatment. Customers may not be able to meet the diagnostic criteria, especially during the first few sessions. However, diagnosis is permanently maintained in health records.
Insurers can also instruct How much to take care of They can be sessions or length Session. This decision does not always match the therapist and customer needs to heal.
Alternative: Pay more burden
For this reason, if the customer’s plan provides a range of treatment insurance, the customer often pays cash and requires repayment in the out -of -network visit plan. Sometimes the therapist is suggested Sliding payment scaleS Depending on the customer’s financial situation, both therapists and customers agree on low rates.
Nevertheless, these options often mean that the cost of coping is higher compared to the scope of insurance coverage in the network. Primary provider.
Mental health care parity is the goal, but we are clearly far away. Insurance company to this day I illegally delay and reject Insurance benefits, perhaps patients with chronic mental illnesses (more expensive) can be encouraged to reduce the coverage or switch to another insurance company.
We are a Mental health crisis As a state. Still, if you don’t care for a lot of people, solving the crisis will not be able to achieve it. Payment of mental health workers moreIncentive insurance acceptance and Increased repayment rate It can alleviate some of the expense burden.
Mental health has been evaluated for too long, as an important part of occupation, policy priorities and overall health. The affecting the cheap approach to treatment does not go away. In particular, the demand for treatment increases and the workforce is struggling to maintain. Now we listen to the voices of people who are treated and receive and treat mental health, just like other types of treatment.
