Posted by joslynn on October 25, 2004, at 9:11:54
In reply to Re: Insurance for psychotherapy?, posted by mandinka on October 25, 2004, at 2:06:29
I have Magellan thru Aetna. I was diagnosed with recurrent depression. Because my T is out of network, I have to pay a 250 deductible, then they pay 70% of 20 visits. After that, I am on my own. That is the official poilcy, but I haven't tried to negotiatie more because I have been procrastinating about making tedious calls to an insurance company when I am at work.
Pdoc, they pay 70% and I don't think there is a limit on that because he is an MD.
What I don't undestand about mental health insurance is this: Why can't they realize that paying for more therapy visits would probably decrease the amount of money they paid out in the long-run for emergency health care, i.e., hospitalization for severe depression, ER visits for someone who is suicidal, etc.
However, I am glad that they pay something.And maybe they would pay more of I would just call or write to state my case. But I know that would probably be tedious, lost of time on hold, etc., so not looking forward to that.
My T usually reduces her rate after I use up my benefits, but sometimes I feel shy about asking for this option again when it's around "that time of year."
poster:joslynn
thread:406542
URL: http://www.dr-bob.org/babble/psycho/20041016/msgs/406958.html