Out-of-Pocket Maximum and Mental Health: How to Front-Load Care to Hit OOP Cap

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Marcus, a 41-year-old project manager in Cleveland, found out in late January that his teenage son Eli needed residential treatment for severe depression and disordered eating. The treatment center quoted $32,000 for a 30-day stay, with intensive outpatient projected to cost another $14,000 across the spring. Marcus’s family plan had a $4,200 deductible and a … Read more

Out-of-Pocket Maximum and Mental Health: How to Front-Load Care to Hit OOP Cap

Free stock photo via Pexels

Marcus, a 41-year-old project manager in Cleveland, found out in late January that his teenage son Eli needed residential treatment for severe depression and disordered eating. The treatment center quoted $32,000 for a 30-day stay, with intensive outpatient projected to cost another $14,000 across the spring. Marcus’s family plan had a $4,200 deductible and a … Read more

Health Insurance Mental Health Reimbursement: Submitting Superbills for Faster Payment

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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

Health Insurance Mental Health Reimbursement: Submitting Superbills for Faster Payment

Free stock photo via Pexels

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

Polyamory and Open Relationship Therapist: Finding Kink-Aware and Non-Monogamy-Affirming Care

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By the time Devon and Priya walked into a Boston counseling office with their partner Jules, they had already burned through two therapists. The first one, well-meaning, kept asking when one of them was going to “pick” the other. The second framed their five-year relationship as a phase Devon would outgrow once he “did the … Read more

Polyamory and Open Relationship Therapist: Finding Kink-Aware and Non-Monogamy-Affirming Care

Free stock photo via Pexels

By the time Devon and Priya walked into a Boston counseling office with their partner Jules, they had already burned through two therapists. The first one, well-meaning, kept asking when one of them was going to “pick” the other. The second framed their five-year relationship as a phase Devon would outgrow once he “did the … Read more

Coordination of Benefits With Mental Health: When You Have Two Insurance Plans

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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