Insurance Pre-Authorization for Mental Health: How to Avoid Approval Delays

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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

Special Needs Trust and Mental Health: Protecting SSI Eligibility for Family Members

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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

Acute Mental Health Crisis on College Campuses: How University Counseling Centers Handle Emergencies

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It was 2:47 a.m. when Maya, a sophomore at the University of Michigan, finally typed the message into her residence hall group chat: “I don’t think I want to be here anymore.” Her roommate Ainsley, asleep until her phone buzzed, woke up, read the screen twice, and ran across the hallway barefoot. She had heard … Read more

Acute Mental Health Crisis on College Campuses: How University Counseling Centers Handle Emergencies

Free stock photo via Pexels

It was 2:47 a.m. when Maya, a sophomore at the University of Michigan, finally typed the message into her residence hall group chat: “I don’t think I want to be here anymore.” Her roommate Ainsley, asleep until her phone buzzed, woke up, read the screen twice, and ran across the hallway barefoot. She had heard … Read more

Self-Pay Cash Discount for Mental Health Therapy: Negotiating Lower Rates Without Insurance

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Priya, a twenty-nine-year-old graphic designer in Austin, Texas, had spent three weeks calling therapists in her insurance network. The eight names that had openings were either booked into the following spring, no longer accepting her plan, or specialized in something that did not match her needs. When she finally found a therapist whose Instagram post … Read more

Self-Pay Cash Discount for Mental Health Therapy: Negotiating Lower Rates Without Insurance

Free stock photo via Pexels

Priya, a twenty-nine-year-old graphic designer in Austin, Texas, had spent three weeks calling therapists in her insurance network. The eight names that had openings were either booked into the following spring, no longer accepting her plan, or specialized in something that did not match her needs. When she finally found a therapist whose Instagram post … Read more