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Old 04-28-2010, 07:17 AM   #1
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Arrow How do you pay for treatment?

This forum is for the discussion of paying for treatment -- the pitfalls and ways to navigate the multitudes of health care systems.

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Old 04-28-2010, 08:16 AM   #2
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Default Re: How do you pay for treatment?

I don't. There are many places to get therapy that are non profit organizations. If you don't have the cash, you do not have to pay... or you just pay what you can.
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Old 04-28-2010, 08:19 AM   #3
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Default Re: How do you pay for treatment?

I wish there were more systems like this Hartford, Connecticut one, where you trade volunteer hours for therapy!

http://www.ctvip.org/scripts/index.asp
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Old 04-28-2010, 08:56 AM   #4
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Default Re: How do you pay for treatment?

The only treatment that I have to pay for is my ED T, my dietician, and any hospital visits. All of which are on a sliding fee scale. My pdoc participates in something called the LEVY program, so my visits there are paid for by this grant. My SA T is through an organization that offers free therapy. My DV T generally charges $2 a session, but I have yet to pay that in my almost 3 yrs. I am so thankful that I live in a community that has these resources, I would not be able to afford treatment if they weren't here.
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Old 04-28-2010, 09:28 AM   #5
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Default Re: How do you pay for treatment?

Good article and ideas:

http://helpguide.org/mental/psychoth...counseling.htm
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Old 04-28-2010, 08:48 PM   #6
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Default Re: How do you pay for treatment?

I pay for my psychologist almost entirely out of pocket, at $160 / session. My private, supplemental health insurance through work, will only reimburse me $1,000 a year. I've just told her I have to go to seeing her every other week rather than weekly because I simply can't afford weekly right now.

My addictions Dr. and addictions treatment groups are funded by our public health care. I'm going to see if I can increase my private appointments with my addictions Dr. now that I'm not seeeing my psychologist so oftern.

My psychiatrist is paid for by public health care. And my last stay in a psych hospital (8 weeks) was completely paid for by public health care.

I feel really lucky to have public health care, and definitely feel like I'm getting my money's worth from my tax dollars that fund it.

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Old 04-28-2010, 09:31 PM   #7
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Default Re: How do you pay for treatment?

I pay for my mental health services with insurance through my husband's employer. We pay standard co-pays that are no different than any other specialist service.

In addition, my employer offers Flexible Medical Spending account. It is a paycheck deduction (pre-tax) that goes into an account which covers medical expenses not covered by insurance such as co-pays, dental, etc. For instance, we choose to claim the entire $5000/year in our FMS account. We are given a debit card (a VISA I think) that we use to pay our copays for appointments, prescriptions, dental, vision, etc. The entire $5000 is available to us at the start of the year. Each month, my paycheck has a deduction to pay for the $5000 ($466 a month I think). The only thing to be careful of is that if you don't use the amount you claim, at the end of the year you lose what is left over (we've never had that problem which tells you how high our medical bills are). If your employer offers this option, it is certainly worth looking into. You can claim whatever amount you want up to a $5000 maximum. For us it is the peace of mind that we don't have to put our health on the back burner. The money is always there (unless we run through the debit amount before the year is up).
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Old 04-28-2010, 11:11 PM   #8
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Default Re: How do you pay for treatment?

My situation is much like Farmergirl's, only the insurance is through my employer instead of hubby's. I pay $30 a week copay for my Psych NP that does my therapy as well as prescribing my meds. I am lucky, my meds cost a grand total of $4 per month!

I also use my flex spending account to pay my copays.
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Old 04-30-2010, 08:13 AM   #9
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Default Re: How do you pay for treatment?

I pay out of pocket because my insurance considers my mental illness a pre-existing condition, so they will pay for nothing to with it, not therapy, med visits or prescriptions. Even if they did 'cover' it, psychiatric services have a $1500 deductible that must be met before they pay a penny, then when they do start coverage is only 60%, with me paying the other 40%. I would actually have to pay far, far more for my care than I do now if my insurance did cover it.
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Old 04-30-2010, 02:40 PM   #10
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Default Re: How do you pay for treatment?

We use private insurance....helps greatly Each session is about $45, every other week. Pdoc is $20.
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