One thing is for sure, when you use your health insurance to obtain mental health services, the insurance company requires the therapist to provide a mental illness diagnosis. This mental illness diagnosis then becomes a part of your health record. Insurance also sets the parameter for what is allowed in treatment rather than the therapist and client choosing details such as length of each session, how many sessions, and in some cases which types of therapy they will reimburse.
Some low fee therapists, such as myself, will see clients for a reduced price in order to not have to diagnose our clients as mentally ill. Clients can then turn in their bill to their insurance company afterward for reimbursement.
It is advisable to contact your insurance company prior to the first session if you are seeking third party reimbursement and ask the following questions:
* What percentage of my bill will be covered for services obtained from an out-of-network provider?
* How many sessions will be covered per calendar year?
* What is my deductible?
* What is my co-payment?