Post # 1
That’s about it.
We really need counseling. (I’ve posted about this before).
Darling Husband agrees with me about this.
But insurance doesn’t cover it. It covers mental disorders, but not “marriage counseling.”
Anyone know of other options? Darling Husband is opposed to paying $120 out of pocket, but we need this and we both know it.
I’m so disappointed.
Post # 3
What about church offered counciling?
Post # 4
Are you religious at all? Most priests and rabbis are trained in family and marriage counseling and if you belong to the church they generally do it for free.
Post # 5
Are either of you religious? I know it might not seem like a great option but I know at FH’s church they provide free marriage “assistance”. Its done by a licensed marriage therapist. Is that an option you could look into?
Post # 6
Many counties have some kind of mental health board that will refer you to a provider that charges fees on a sliding scale. Depending on your income, you may pay nothing at all or $10, $20, or maybe $50 per session.
Post # 7
If you know you need it, then its worth the $120 out of pocket. Its cheaper than divorce or misery. Maybe you could try a church pastor.
Post # 8
Thanks, everyone. We may have to go that route. Yes, we are religious, but to be honest, I was hoping to go a different route. We’re both very involved in our church communities, and I don’t feel comfortable exposing some of the things we need to talk about to a priest.
For now, my religious faith is going to help me pray for some help or answer–whether it’s “waiting till we can afford it,” as my Darling Husband says, or something else.
Post # 9
Does your insurance cover individual counseling? I know you said it covers mental disorders but what about if just you needed to talk to someone? Woudl they pay for that? I’ve been seeing a counselor for 2 years and she has let me bring my SO with me for no different charge so I don’t even think the insurance company would know that she was doing couples counseling for us, I’m not sure. Basically I’m saying, would it work if you started seeing someone individually and then started bringing Darling Husband with you?
Post # 10
I am going to suggest the YMCA. I know that our YMCA’s have some type of religious couselor affiliated with it and you can schedule time with them. I am pretty sure it’s free although I am not certain. Try your local YMCA and see what the have to offer. Recognizing that you need help is a great first step.
Post # 11
Honestly – I think you guys should just pay the $120 out of pocket. That is WAY cheaper than a divorce would cost you and if you guys both agree that you need marriage counseling, then that $120 will be worth every penny!
And truely – it doesn’t sound like you guys can’t afford it – just that you don’t want to pay for it. Big difference. If you guys need this to help your marriage, setting aside the money to pay for it should be a no-brainer.
Post # 12
Look around for local counseling centers that offer a sliding-fee scale based on your income. My SO and I make pretty good money, but still qualified for a discount.
Contact a local therapist or counseling center, and see if they can recommend a location that does this.
We pay $68 for our weekly sessions. It is still costly, but well worth it. Neither of our insurances covered counseling like this either.
Post # 13
I know $120 isn’t chump change, but sometimes you need to factor in the cost of your emotional needs too – and not just straight black and white financials. If spending $120 would help resolve your problems, making both of your happier and healthier as both individuals and a couple, wouldn’t it be well worth it to spend the money? Have you posed it to your husband that way?
Post # 14
Your officiant should have you doing precanta classes regardless.
Post # 15
@KaitlinHudson: They’re already married.
Post # 16
If you’re already married, I’m not sure what can be done besides paying out of pocket.