YOUR DIAGNOSIS, YOUR PRIVACY, AND YOUR CHOICE
Once a diagnosis is reported to the insurance company, it will remain on your medical records for the rest of your life. Many people don’t realize how that can impact them and how they lose control of access to that information when that file is shared with those who need access to it. A diagnosis says nothing about who you are now, how you have adapted and grown, your strengths, and what actual symptoms you experience. And yet, a diagnosis will say a lot for those who read it and may negatively impact you in the future. Your diagnosis can follow you around in school or college and be a barrier to doing certain things such as working with the military, being hired for federal jobs, obtaining security clearances, working in aviation, and any other jobs requiring health-care related checks. In fact, many schools and healthcare institutions are now employing policies to screen out employees who may be unstable or cost too much money in mental health care and lost work days. Your choice in who knows your diagnosis disappears once that diagnosis is provided to your insurance.
Further, insurance companies require clinicians to reveal diagnoses, symptoms, behaviors, and treatment plans that itemize the issues we are working on and the goals we have set. We are unwilling to reveal confidential, potentially damaging information to the insurance company to justify our clients’ needs for emotional support. Avoiding interactions with insurance companies protects the confidentiality of our clients.
Insurance companies also limit the number of sessions they will pay for a client. Your treatment method, approach, and length is decision is between you and your therapist. We do not believe it is appropriate for healthcare decisions to be determined by insurance screeners and treatment to be decided based on production pressures from a corporation whose operating philosophy is based on attempting to increase profits and minimize payouts.
Some insurance carriers will reimburse for out-of-network counseling services. In those cases, we are able to provide clients with a “super bill,” itemized statement of the services rendered, how much you have paid for your services, and a diagnosis. Whether such reimbursement is an option, what diagnoses are covered, and the percent that is reimburse will all vary from plan to plan and carrier to carrier. You’ll want to check with your insurance company for specific details. Please be aware that all of the concerns listed above about privacy, diagnoses, and your medical records still apply when a super bill is submitted.
In this scenario, you are paying you the full session fee, but we are filling claims on your behalf so that the insurance company reimburses you directly. So, in short: Yes
To reiterate: Whether such reimbursement is an option, what diagnoses are covered, and the percent that is reimburse will all vary from plan to plan and carrier to carrier. You’ll want to check with your insurance company for specific details. Please be aware that all of the concerns listed above about privacy, diagnoses, and your medical records still apply when a super bill is submitted.