How does insurance factor into therapy?
Insurance companies are different – some offer mental health coverage, while others do not. The easiest way to find out if mental health care is covered by your provider is to contact them, to make sure you understand their options. At ECC, we are in-network providers for MHN/CalViva, Halcyon Behavioral, Bluecross/BlueShield, Blue shield, Kaiser (Beacon Health), and Beacon Health Options.
If your Insurance plan is not listed above, we can provide all the necessary paperwork for possible reimbursement by your insurance provider, if you have out-of-network benefits on your plan. Please call your insurance provider to determine your coverage.
What questions should I ask my Insurance provider before I begin counseling, if my insurance is not accepted?
1) Does my plan include “out-of-network” coverage for mental health?
2) Is there an annual deductible for out-of-network mental health benefits? If so, how much?
3) How many sessions will my plan cover per year?
4) Is there a limit on out of pocket expenses per year?
5) What is my co-insurance percentage for mental health services?
6) Does my plan require pre-authorization for psychotherapy?
7) What is the policy year (i.e. Jan 1 – Dec 31)?
8) Does my plan require a referral for psychotherapy from my physician?
What can therapy do for me?
There are a variety of benefits that can come from therapy, and they tend to be individualized. Therapists are there to provide levels of support, teach certain skills, and help patients discover new coping strategies for things like anxiety, depression, stress, or even creative blocks. You don’t need to have some kind of ‘major disorder’ to find usefulness from a therapist. In fact, if you’re simply looking for personal growth in any aspect of your life, you can typically find the skills and resources through therapy to help with family problems, marital issues, and more. Essentially, a therapist offers a different way of looking at things – perhaps a perspective you haven’t yet considered, which makes it easier to point you in the right direction, and find the solutions you’re looking for in life.
Of course, therapists can’t just ‘fix’ everything on their own. It’s about using those resources you learn in your everyday life that can really turn things around. Still unsure about what therapy could do for you? Let’s take a look a few examples of some common benefits:
– Grasping a deeper understanding of who you are
– Identifying your goals and dreams
– Obtaining the right skills for bettering your life’s relationships
– Learning resources to put an end to the issues that brought you to therapy
– Managing problem areas in your personal life, like anger, stress, depression, etc.
– Creating new patterns of behavior for yourself
– Changing your problem-solving perspective
– Boosting your self-esteem and confidence
If I feel as though I can handle my issues on my own, is therapy really necessary?
There isn’t a person alive who doesn’t experiences challenges of some kind throughout their life. Some people can simply get through them better than others, and even then, it’s never a bad idea to have additional support and understanding when it comes to the obstacles you’ve gone through. In all actuality, therapy is ideal for people who understand themselves enough to realize they actually could use some help, instead of denying it. Noticing that your life isn’t necessarily where you want it to be is a big realization and admittance, and taking the steps to change that for the better is something to be incredibly proud of. You’re taking the first step down an incredible path that can lead to long-lasting benefits for the rest of your life, even when challenges come up again.
What can I expect from therapy?
Just like the reasons for therapy are different for everyone, most people can expect different experiences. The good news is that therapy is completely individually-focused, which is why everyone can get something different out of it. Generally, your life, your history, and any relevant insights will be important to the specific discussions, but in a very personal and individualized manner. Sometimes therapy can be focused on a specific need, in which case it’s a ‘short term’ solution, while in other cases, many people go to therapy regularly, each week, to simply look for more personal growth.
Again, therapy isn’t meant to be some kind of ‘quick fix’ where you simply sit back and listen. It is a participatory experience. The more you involve yourself in the process, the better results you’re bound to see. It’s a practice in everyday living, in which you take what you learn from the session, and apply it to your life. Therefore, it’s important to be mentally prepared to make those changes in your life, and desire new perspectives on things.