Guest guest Posted January 9, 2011 Report Share Posted January 9, 2011 I've been wanting to find a counselor for myself or my family for years now. I am hanging by a thread at the moment, but my finances are also rapidly depleting. Go figure. How do you all afford therapy? Does your insurance cover part of it? Are you paying out of pocket? Any suggestions? Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 9, 2011 Report Share Posted January 9, 2011 It depends on your insurance. I'm not sure if this is just a state wide thing or nation wide, but I *think* that they can no longer put limits on how much mental health care you receive in a year, so I would imagine if you have health insurance it would cover mental health. However, you'll likely have a copay. I would suggest you call your insurance company & inquire, they will be able to give you all the details. As for therapists, some do work on a sliding scale. Some, not all. Mine does, my last one when I lived in another state did too. So when you start calling around to make an appointment, you might want to ask about that. Right now I do not pay out of pocket, she takes what my insurance pays as payment in full. I am very grateful for that. Very. Again, I would suggest you start with calling your insurance company, find out what they cover for therapy & what a copay would be. Then, you can either ask them or go on their website to find therapists in your area who take your insurance. Most insurance websites have this feature. If they don't, then definitely ask them on the phone who you can see. You could also try your primary care physician's office and see if they have anyone they refer to. I hope this helps. I am a huge advocate of therapy and really think it can help any KO (kid of [a BPD]). Others may have more ideas & suggestions too. Mia Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 9, 2011 Report Share Posted January 9, 2011 It depends on your insurance. I'm not sure if this is just a state wide thing or nation wide, but I *think* that they can no longer put limits on how much mental health care you receive in a year, so I would imagine if you have health insurance it would cover mental health. However, you'll likely have a copay. I would suggest you call your insurance company & inquire, they will be able to give you all the details. As for therapists, some do work on a sliding scale. Some, not all. Mine does, my last one when I lived in another state did too. So when you start calling around to make an appointment, you might want to ask about that. Right now I do not pay out of pocket, she takes what my insurance pays as payment in full. I am very grateful for that. Very. Again, I would suggest you start with calling your insurance company, find out what they cover for therapy & what a copay would be. Then, you can either ask them or go on their website to find therapists in your area who take your insurance. Most insurance websites have this feature. If they don't, then definitely ask them on the phone who you can see. You could also try your primary care physician's office and see if they have anyone they refer to. I hope this helps. I am a huge advocate of therapy and really think it can help any KO (kid of [a BPD]). Others may have more ideas & suggestions too. Mia Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 9, 2011 Report Share Posted January 9, 2011 It depends on your insurance. I'm not sure if this is just a state wide thing or nation wide, but I *think* that they can no longer put limits on how much mental health care you receive in a year, so I would imagine if you have health insurance it would cover mental health. However, you'll likely have a copay. I would suggest you call your insurance company & inquire, they will be able to give you all the details. As for therapists, some do work on a sliding scale. Some, not all. Mine does, my last one when I lived in another state did too. So when you start calling around to make an appointment, you might want to ask about that. Right now I do not pay out of pocket, she takes what my insurance pays as payment in full. I am very grateful for that. Very. Again, I would suggest you start with calling your insurance company, find out what they cover for therapy & what a copay would be. Then, you can either ask them or go on their website to find therapists in your area who take your insurance. Most insurance websites have this feature. If they don't, then definitely ask them on the phone who you can see. You could also try your primary care physician's office and see if they have anyone they refer to. I hope this helps. I am a huge advocate of therapy and really think it can help any KO (kid of [a BPD]). Others may have more ideas & suggestions too. Mia Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 9, 2011 Report Share Posted January 9, 2011 Check to see if your work place has an " Employee Assistance Program " or an " EAP " . Here in North Dakota, many places of employment offer EAP's as a part of employee wellness, meaning if you are happier you will be a better employee. The way an EAP works is that your place of employment has a contract with a specified Therapy agency, and allow you a set number of times that you or your family can use the EAP. Generally is 8-10 sessions a year. Certainly not enough to fix the issues, but enough to get started and not break the bank. Hope this helps! -JL > > I've been wanting to find a counselor for myself or my family for years now. I am hanging by a thread at the moment, but my finances are also rapidly depleting. Go figure. How do you all afford therapy? Does your insurance cover part of it? Are you paying out of pocket? Any suggestions? > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 9, 2011 Report Share Posted January 9, 2011 Check to see if your work place has an " Employee Assistance Program " or an " EAP " . Here in North Dakota, many places of employment offer EAP's as a part of employee wellness, meaning if you are happier you will be a better employee. The way an EAP works is that your place of employment has a contract with a specified Therapy agency, and allow you a set number of times that you or your family can use the EAP. Generally is 8-10 sessions a year. Certainly not enough to fix the issues, but enough to get started and not break the bank. Hope this helps! -JL > > I've been wanting to find a counselor for myself or my family for years now. I am hanging by a thread at the moment, but my finances are also rapidly depleting. Go figure. How do you all afford therapy? Does your insurance cover part of it? Are you paying out of pocket? Any suggestions? > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 9, 2011 Report Share Posted January 9, 2011 Check to see if your work place has an " Employee Assistance Program " or an " EAP " . Here in North Dakota, many places of employment offer EAP's as a part of employee wellness, meaning if you are happier you will be a better employee. The way an EAP works is that your place of employment has a contract with a specified Therapy agency, and allow you a set number of times that you or your family can use the EAP. Generally is 8-10 sessions a year. Certainly not enough to fix the issues, but enough to get started and not break the bank. Hope this helps! -JL > > I've been wanting to find a counselor for myself or my family for years now. I am hanging by a thread at the moment, but my finances are also rapidly depleting. Go figure. How do you all afford therapy? Does your insurance cover part of it? Are you paying out of pocket? Any suggestions? > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 9, 2011 Report Share Posted January 9, 2011 Your insurance will probably have a separate phone number for mental health and different (ie worse) benefits. I'm seeing my therapist as a self-pay client. She is just building her practice and so she only charges $50 per hour. that works for me anyway because the people at my office (a small biz) are very snoopy about people's personal biz and I don't need them to know I'm seeing someone. Plus they require you to submit claims directly to the HR Director to be reimbursed for anything involving a specialist. No thank you, I say, I'd rather pay than have this many people in my personal business. As far as finding one, I tried so many things. I got referrals from friends who worked in mental health, from my psychiatrist (who was easy to find by comparison), I went to Employee Assistance Programs when I worked at a place that offered them (basically free therapy through your job). It just wasn't ever right and so I wasn't even a big believer in therapy at all. Then I worked with a woman as a spokesperson for fighting child abuse for my job. I liked her. I went to do a news thing at her office. I walked into the room and it was like walking into a warm bath filled with love and light. Funny because its in a very humble building in one of the worst parts of town. I didn't care. Humble, filled with love ===== perfect. I've been going for 3 months and I've made more progress than i did in 3 years without her. So I don't know how you find the right person. Maybe you just put out the energy and the universe will answer it in time if you keep your eyes open. > > > It depends on your insurance. I'm not sure if this is just a state wide > thing or nation wide, but I *think* that they can no longer put limits on > how much mental health care you receive in a year, so I would imagine if > you > have health insurance it would cover mental health. However, you'll likely > have a copay. I would suggest you call your insurance company & inquire, > they will be able to give you all the details. > > As for therapists, some do work on a sliding scale. Some, not all. Mine > does, my last one when I lived in another state did too. So when you start > calling around to make an appointment, you might want to ask about that. > Right now I do not pay out of pocket, she takes what my insurance pays as > payment in full. I am very grateful for that. Very. > > Again, I would suggest you start with calling your insurance company, find > out what they cover for therapy & what a copay would be. Then, you can > either ask them or go on their website to find therapists in your area who > take your insurance. Most insurance websites have this feature. If they > don't, then definitely ask them on the phone who you can see. You could > also > try your primary care physician's office and see if they have anyone they > refer to. > > I hope this helps. I am a huge advocate of therapy and really think it can > help any KO (kid of [a BPD]). Others may have more ideas & suggestions too. > > Mia > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 9, 2011 Report Share Posted January 9, 2011 Your insurance will probably have a separate phone number for mental health and different (ie worse) benefits. I'm seeing my therapist as a self-pay client. She is just building her practice and so she only charges $50 per hour. that works for me anyway because the people at my office (a small biz) are very snoopy about people's personal biz and I don't need them to know I'm seeing someone. Plus they require you to submit claims directly to the HR Director to be reimbursed for anything involving a specialist. No thank you, I say, I'd rather pay than have this many people in my personal business. As far as finding one, I tried so many things. I got referrals from friends who worked in mental health, from my psychiatrist (who was easy to find by comparison), I went to Employee Assistance Programs when I worked at a place that offered them (basically free therapy through your job). It just wasn't ever right and so I wasn't even a big believer in therapy at all. Then I worked with a woman as a spokesperson for fighting child abuse for my job. I liked her. I went to do a news thing at her office. I walked into the room and it was like walking into a warm bath filled with love and light. Funny because its in a very humble building in one of the worst parts of town. I didn't care. Humble, filled with love ===== perfect. I've been going for 3 months and I've made more progress than i did in 3 years without her. So I don't know how you find the right person. Maybe you just put out the energy and the universe will answer it in time if you keep your eyes open. > > > It depends on your insurance. I'm not sure if this is just a state wide > thing or nation wide, but I *think* that they can no longer put limits on > how much mental health care you receive in a year, so I would imagine if > you > have health insurance it would cover mental health. However, you'll likely > have a copay. I would suggest you call your insurance company & inquire, > they will be able to give you all the details. > > As for therapists, some do work on a sliding scale. Some, not all. Mine > does, my last one when I lived in another state did too. So when you start > calling around to make an appointment, you might want to ask about that. > Right now I do not pay out of pocket, she takes what my insurance pays as > payment in full. I am very grateful for that. Very. > > Again, I would suggest you start with calling your insurance company, find > out what they cover for therapy & what a copay would be. Then, you can > either ask them or go on their website to find therapists in your area who > take your insurance. Most insurance websites have this feature. If they > don't, then definitely ask them on the phone who you can see. You could > also > try your primary care physician's office and see if they have anyone they > refer to. > > I hope this helps. I am a huge advocate of therapy and really think it can > help any KO (kid of [a BPD]). Others may have more ideas & suggestions too. > > Mia > > Quote Link to comment Share on other sites More sharing options...
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