Does Insurance Cover Therapy?
What is therapy?
Therapy is a procedure which a mental health professional uses to resolve issues of their clients. Therapy is also used in a lot of cases other than diagnosable disorders. Most people seek therapy to resolve their issues related to relationships, academics, thoughts, etc.
Pros and cons of covering therapy fees with insurance:
There are a lot of pros and cons of covering therapy fees with insurance. Some of them are:
Pros:
- You can have the cost for your medicines needed for your mental health treatment either reduced or eliminated.
- You can focus on your mental health without worrying about the cost of treatment.
Cons:
- Some insurance companies limit the number of therapy sessions to cover the costs in their services.
- There are hardly any therapists who accepts insurance, hence limiting the chance for you to seek professional help for your issues.
- Most insurance companies need proof of your diagnosis with any disorder, or they won’t cover the fee.
- Confidentiality may be compromised, as the sessions are recorded by the insurance companies. This way, your private information can be revealed to anyone who has an access to your insurance account.
Should insurance cover therapy?
Yes, it is about time that mental health is taken seriously and proper treatment is provided for people suffering with mental illnesses. People don’t need to have disorders to be taken seriously in society, and insurance companies need to do their part in that. Also, confidentiality of the client’s information holds the utmost importance in therapy sessions, so it shouldn’t be compromised at any cost. Privacy of the client needs to be maintained.
Final thoughts:
Insurance companies does cover therapy but with a lot of cons and perks. People need to be careful when choosing the right insurance company to cover their therapy costs without having their confidential information leaked or compromised.