Post # 1
So… i think i’m nearing my wit’s end and want to try to see a family/marriage therapist for the in-law issues i’m facing. Fiance and i are doing fine, but i am stressed daily about the in-law drama, and i can’t handle it anymore. i can’t focus on anything else!
But I’m scared. i feel t here is still a stigma with “seeking help.” and i dont even know how insurance works. I am pretty sure mine doesn’t cover it – do i just call and ask? can therapists tell me how much i can expect to pay up front?
I’m scared to even call the therapists and ask! eek!
Post # 3
Don’t be afraid!
I would probably call the insurance company first to find out what they cover and then take it from there….
And yes, a therapist should be upfront with their fees if your insurance doesn’t cover it.
Post # 4
I’m a therapist so I hope I can help!
Insurance won’t pay for couples therapy because in couples therapy, the couple is the “identified patient” and your insurance is yours – not the couples. To get around this, you would have to be the “identified patient” and it would not be billed as couples therapy.
How much it costs depends on your insurance and where you live. First, call your insurance and ask what their policy is on therapy. Some insurances you have to pay out of pocket your first 5 sessions or whatever, some insurance only pays 10 sessions, etc. etc. You will *have* to receive a diagnosis from your therapist which will go on your permanent insurance record; this diagnosis dictates how many sessions insurance will pay. If your diagnosis is “Adjustment Disorder” which yours probably would be (code for “I just have to diagnose you with something to get your insurance to pay”) and that is typically 6 sessions. If you legitimately have something more serious going on, say “Anxiety Disorder, Not Otherwise Specified” you would probably get 10 sessions. Without insurance, rates could be anywhere from $60-120/hr depending how close you are to NYC/NJ or a big city. There are some therapists who run on a “sliding scale” which means the amount you pay is based on your income.
PM me for any more specific questions. I have a specialization in couples/family therapy and premarital therapy.
Post # 5
Also.. the only stigma I see with therapy (and obviously I’m biased) is against those who think therapy is stupid or for sissies. It’s kind of like those who are the meanest towards gays are probably covering up for how scared they are that they may have some gay tendencies themselves.
If your therapist *ever* makes you feel insecure for going to therapy, then they should not be a therapist. Don’t be afraid to shop around for therapists, there ARE bad therapists out there, just as there are bad doctors, dentists, wedding photographers, electricians, etc.
Post # 6
@sugarcube: My company doesn’t cover couple’s therapy under my insurance, but we do have an employee assistance program where we can get legal advice and counselling and what not. Maybe see if you company offers something like that? You could also see if there is anywhere in your city where you can get free/low cost/sliding scale counselling, I know that’s offered at a few places where I live too.