How to use mental health benefits under commercial insurance, Medicare, Medicaid, and employer plans — including parity rules, appeals, and reducing out-of-pocket costs.
Priya, a 29-year-old elementary school teacher in Minneapolis, started seeing an out-of-network EMDR therapist last September after a near-miss car accident left her with intrusive flashbacks and panic attacks at red lights. The therapist charged $190 a session, did not bill insurance directly, and handed Priya a single sheet of paper at the end of … Read more
Priya, a 29-year-old elementary school teacher in Minneapolis, started seeing an out-of-network EMDR therapist last September after a near-miss car accident left her with intrusive flashbacks and panic attacks at red lights. The therapist charged $190 a session, did not bill insurance directly, and handed Priya a single sheet of paper at the end of … Read more
Renee, a 38-year-old hospital nurse in Tampa, married Marcus last summer and merged households with him and his two kids from a previous marriage. Both Renee and Marcus had family insurance through their employers, two solid PPO plans on paper. When Renee took her stepson Jace to start weekly therapy for adjustment disorder in October, … Read more
Brianna, a 34-year-old freelance graphic designer in Austin, Texas, sat at her kitchen table last November with four browser tabs open and a half-cold cup of coffee. She had been seeing a trauma therapist twice a month for almost a year and knew she needed to keep that going. Her old employer plan ended December … Read more
Brianna, a 34-year-old freelance graphic designer in Austin, Texas, sat at her kitchen table last November with four browser tabs open and a half-cold cup of coffee. She had been seeing a trauma therapist twice a month for almost a year and knew she needed to keep that going. Her old employer plan ended December … Read more
Yvette, a fifty-eight-year-old retired postal worker in Houston, Texas, lived with type 2 diabetes, mild heart failure, and a thirty-year history of bipolar II disorder. For most of her life, her medical care happened in one universe and her psychiatric care in another. Her cardiologist sent her labs to an electronic record her psychiatrist could … Read more
Yvette, a fifty-eight-year-old retired postal worker in Houston, Texas, lived with type 2 diabetes, mild heart failure, and a thirty-year history of bipolar II disorder. For most of her life, her medical care happened in one universe and her psychiatric care in another. Her cardiologist sent her labs to an electronic record her psychiatrist could … Read more
Marcus, a forty-one-year-old account manager from Charlotte, North Carolina, had finally agreed to enter a residential treatment program for his alcohol use disorder. His therapist found a bed at a respected facility for Monday morning. On Friday afternoon, the admissions coordinator called with words Marcus did not expect to hear: the insurance company needed to … Read more
Marcus, a forty-one-year-old account manager from Charlotte, North Carolina, had finally agreed to enter a residential treatment program for his alcohol use disorder. His therapist found a bed at a respected facility for Monday morning. On Friday afternoon, the admissions coordinator called with words Marcus did not expect to hear: the insurance company needed to … Read more
When Eleanor died at seventy-nine in her Sarasota, Florida, condominium, she left behind a thirty-eight-year-old son named Daniel who had lived with schizoaffective disorder since college. Eleanor had been careful her whole life. She had saved methodically. She had worked with her bank to draft a will that left Daniel half her estate, about $190,000 … Read more