SRS How to pay for a therapist?

Discussion in 'On Topic' started by SpicyMcVoodoo, Aug 14, 2006.

  1. SpicyMcVoodoo

    SpicyMcVoodoo New Member

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    I'm under my parent's medical insurance, and I'm thinking about seeing a shrink. I have no idea how medical insurance works. I've never had to think about it because i always just went to docs my parents knew and paid either in cash or with my little medical insurance card. Here's the question: can I see a shrink and pay for it with my insurance card without my parents knowing? I really do not want them to find out.
     
  2. Coottie

    Coottie BOOMER......SOONER OT Supporter

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    Probably not. When anyone files a claim on insurance, either your parents or the shrink, the insurance company will send your parents an EOB (explanation of benefits) and they will see how much the ins is paying and how much they are personally responsible for. The only way for your parents to not know is to pay for it yourself, or find some free counseling.

    You could explain your situation to a therapist and ask if they have any suggestions for you.
     
  3. johan

    johan Active Member

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    Call your insurance company and ask them about their billing procedures.

    There are also free mental health services available to you. If you are still under your parents' insurance, are you a minor, and/or are you in school?

    Any large college will have extensive student health services which are tailored to you (age). These will also be free.
     
  4. SpicyMcVoodoo

    SpicyMcVoodoo New Member

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    I'm not a minor, but I am still in school. I don't want to see the counselors at my school. Actually, I don't think my school has counselors or anything, and if there are, they're not phd specialists or anything. I'd rather see a real professional who could actually prescribe me something if need be.
     
  5. SpicyMcVoodoo

    SpicyMcVoodoo New Member

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    How much would I have to pay out of pocket? It's hard to find actual rates, but I've seen 125/hour. For how many visits? Are we talking like 1000 dollars to start out of pocket?
     
  6. Coottie

    Coottie BOOMER......SOONER OT Supporter

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    Oh yeah, I didn't even think of college/uni counselors. That's a great suggestion and the OP should really check it out. They are actually specialists but before you write them off you should look into it.

    If you think you might need meds, you need to see a Phycharist. They are actual MDs and are the only therapists that can write prescriptions. But IMO it's most important to find a therapist you can work with and be 100% honest with. Sometimes it takes time to find this person. Afterall, if you need meds, they can refer you to someone.

    Mine shrink cost $175/45 min visit. I thought it was hella expensive but he was worth every penny.
     
  7. Peyomp

    Peyomp New Member

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    Call your insurance company and ask what mental-health coverage you have. Consider that its not a big deal if your parents find out, after the fact. This shit is expensive.

    Other than that, reconsider your university's mental health facilities. You don't know that they're shit until you at least go check them out.

    If neither of those are viable, then pick up the phone book/internet and start calling psychiatrists in your area. You are looking for one who bills on a 'sliding scale.' Ask, they'll tell you. You'll find one if you make enough calls. Since you're a student, they won't charge you much.

    The last option is to lookup what the county/city offers. For a student with insurance, this is a bad option because the quality of care you will get will be less than what you would get through your insurance, if your parents paid, from your university or on a sliding scale. But if you insist on complete privacy from your family and that it be free/very cheap, this is your last option.
     
  8. johan

    johan Active Member

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    I'm not talking about "school counselors" or anything like that. If you're at a medium or large sized college or university, you should have Student Health Services, which is staffed by medical professionals.

    You should have free access to them, so why don't you present there, and have them assess you. If needed, they can refer you to a staff psychiatrist (if you really need meds) or further counselling.


    If you're still in high school, well then that is a differnt story. But you haven't said you're in HS, so I won't go into that for now.
    If you tell me what city and school you're in, I can help you further, but for now, this is about as specific as it gets.
     

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