How is it ok that no therapists take insurance?

[Anonymous]

Can therapists do retainers like others professionals like attorneys? Where any insurance shortfall would come out of the retainer?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Because if therapists were all covered by insurance, nearly every American would be in therapy every week. The best way they can ration it is by making it not covered by insurance.

In other words, you believe the best way to ration therapy for children is based on who can pay for it. I disagree. I think this system excludes the children who most need the therapy. And society pays the costs. I think we could provide that care, but we are not willing to pay for it though premiums or taxes.

Anyway, I disagree with the notion that "nearly every American would be in therapy every week". That's absurd. Most people can't/won't make the time for a weekly appointment. A not insignificant portion of the population is uninterested in therapy (some may actually need it, many do not).

So you want the government deciding who gets care? No thanks. I have Tricare and pay out of pocket for a reason.

[Anonymous]

Whenever the issue of health care reform comes up and people advocate for single payer and some libertarian type invariably comes along and mutters about not wanting the government making decisions about your health care, I like to point out that I'd much rather have a government bureaucrat doing it than an insurance adjuster trying to make a bonus in a company trying to make a profit. Government would just be the lesser of the evils.

[Anonymous]

Anonymous wrote:Whenever the issue of health care reform comes up and people advocate for single payer and some libertarian type invariably comes along and mutters about not wanting the government making decisions about your health care, I like to point out that I'd much rather have a government bureaucrat doing it than an insurance adjuster trying to make a bonus in a company trying to make a profit. Government would just be the lesser of the evils.

+1 amen to this as someone who spent hours trying to get basic answers about what my employer's plan covers given a recent claim denial. Had to escalate it and threaten to contact the state and suddenly my claims got paid. This process is incredibly wasteful. And not for nothing but countries where the government decides who gets care, they have higher life expectancies and lower maternal mortality rates.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Because if therapists were all covered by insurance, nearly every American would be in therapy every week. The best way they can ration it is by making it not covered by insurance.

In other words, you believe the best way to ration therapy for children is based on who can pay for it. I disagree. I think this system excludes the children who most need the therapy. And society pays the costs. I think we could provide that care, but we are not willing to pay for it though premiums or taxes.

Anyway, I disagree with the notion that "nearly every American would be in therapy every week". That's absurd. Most people can't/won't make the time for a weekly appointment. A not insignificant portion of the population is uninterested in therapy (some may actually need it, many do not).

So you want the government deciding who gets care? No thanks. I have Tricare and pay out of pocket for a reason.

Honey people on private insurance plans also pay out of pocket "for a reason", that is the whole point of this thread

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Because if therapists were all covered by insurance, nearly every American would be in therapy every week. The best way they can ration it is by making it not covered by insurance.

In other words, you believe the best way to ration therapy for children is based on who can pay for it. I disagree. I think this system excludes the children who most need the therapy. And society pays the costs. I think we could provide that care, but we are not willing to pay for it though premiums or taxes.

Anyway, I disagree with the notion that "nearly every American would be in therapy every week". That's absurd. Most people can't/won't make the time for a weekly appointment. A not insignificant portion of the population is uninterested in therapy (some may actually need it, many do not).

So you want the government deciding who gets care? No thanks. I have Tricare and pay out of pocket for a reason.

Honey people on private insurance plans also pay out of pocket "for a reason", that is the whole point of this thread

Literally wasn't what I was talking about. Maybe you should read the post I replied to.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Because if therapists were all covered by insurance, nearly every American would be in therapy every week. The best way they can ration it is by making it not covered by insurance.

In other words, you believe the best way to ration therapy for children is based on who can pay for it. I disagree. I think this system excludes the children who most need the therapy. And society pays the costs. I think we could provide that care, but we are not willing to pay for it though premiums or taxes.

Anyway, I disagree with the notion that "nearly every American would be in therapy every week". That's absurd. Most people can't/won't make the time for a weekly appointment. A not insignificant portion of the population is uninterested in therapy (some may actually need it, many do not).

So you want the government deciding who gets care? No thanks. I have Tricare and pay out of pocket for a reason.

Honey people on private insurance plans also pay out of pocket "for a reason", that is the whole point of this thread

Literally wasn't what I was talking about. Maybe you should read the post I replied to.

So when you said you "pay out of pocket for a reason" you were not literally talking about paying of pocket? What were you talking about it.

[Anonymous]

Anonymous wrote:By the time you add in (Metro DC $) office space along with either a billing company or a secretary, that $250 an hour doesn't go so far.

It’s 2024. They don’t need a “billing company” or a “secretary.” They need an app (like Theranest) for scheduling and billing. But it does cost money.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Because if therapists were all covered by insurance, nearly every American would be in therapy every week. The best way they can ration it is by making it not covered by insurance.

In other words, you believe the best way to ration therapy for children is based on who can pay for it. I disagree. I think this system excludes the children who most need the therapy. And society pays the costs. I think we could provide that care, but we are not willing to pay for it though premiums or taxes.

Anyway, I disagree with the notion that "nearly every American would be in therapy every week". That's absurd. Most people can't/won't make the time for a weekly appointment. A not insignificant portion of the population is uninterested in therapy (some may actually need it, many do not).

So you want the government deciding who gets care? No thanks. I have Tricare and pay out of pocket for a reason.

Honey people on private insurance plans also pay out of pocket "for a reason", that is the whole point of this thread

Look, it’s the condescending term of endearment poster, jumping all over people while having failed to understand the pp (as usual).

[Anonymous]

Anonymous wrote:

Anonymous wrote:I don't blame them for not bothering with insurance. I had a plan that caused weeks of back and forth between me, my provider, and insurance. The end result was the claim was denied because of an undisclosed rule that anything over 30 minutes would not be reimbursed and my appointments were 45 minutes long. Why would providers spend their time with this crap when they could use it to see patients?

This.

After a similar experience I have a newfound understanding of how awful our health care system is. Providers have to hire people to deal with this stuff. With the low reimbursements for therapists I just can't blame them for not taking insurance.

you know which country offers good therapists through insurance? the one where unicorns live aka it doesn't exist
i can tell you there are plenty of barely mediocre ones oon....

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Because if therapists were all covered by insurance, nearly every American would be in therapy every week. The best way they can ration it is by making it not covered by insurance.

In other words, you believe the best way to ration therapy for children is based on who can pay for it. I disagree. I think this system excludes the children who most need the therapy. And society pays the costs. I think we could provide that care, but we are not willing to pay for it though premiums or taxes.

Anyway, I disagree with the notion that "nearly every American would be in therapy every week". That's absurd. Most people can't/won't make the time for a weekly appointment. A not insignificant portion of the population is uninterested in therapy (some may actually need it, many do not).

So you want the government deciding who gets care? No thanks. I have Tricare and pay out of pocket for a reason.

Honey people on private insurance plans also pay out of pocket "for a reason", that is the whole point of this thread

Look, it’s the condescending term of endearment poster, jumping all over people while having failed to understand the pp (as usual).

Nope, didn't fail to understand. PP thinks government healthcare is bad bc she has govt healthcare and pays out of pocket. But she posted on a thread about how people with mostly private insurance have to pay out of pocket and is now out of sorts because she got called out on her dumb comment that makes no sense.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Because if therapists were all covered by insurance, nearly every American would be in therapy every week. The best way they can ration it is by making it not covered by insurance.

In other words, you believe the best way to ration therapy for children is based on who can pay for it. I disagree. I think this system excludes the children who most need the therapy. And society pays the costs. I think we could provide that care, but we are not willing to pay for it though premiums or taxes.

Anyway, I disagree with the notion that "nearly every American would be in therapy every week". That's absurd. Most people can't/won't make the time for a weekly appointment. A not insignificant portion of the population is uninterested in therapy (some may actually need it, many do not).

So you want the government deciding who gets care? No thanks. I have Tricare and pay out of pocket for a reason.

Honey people on private insurance plans also pay out of pocket "for a reason", that is the whole point of this thread

Look, it’s the condescending term of endearment poster, jumping all over people while having failed to understand the pp (as usual).

my in network therapist for kid is way better than oon one...so ...

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I don't blame them for not bothering with insurance. I had a plan that caused weeks of back and forth between me, my provider, and insurance. The end result was the claim was denied because of an undisclosed rule that anything over 30 minutes would not be reimbursed and my appointments were 45 minutes long. Why would providers spend their time with this crap when they could use it to see patients?

This.

After a similar experience I have a newfound understanding of how awful our health care system is. Providers have to hire people to deal with this stuff. With the low reimbursements for therapists I just can't blame them for not taking insurance.

you know which country offers good therapists through insurance? the one where unicorns live aka it doesn't exist
i can tell you there are plenty of barely mediocre ones oon....

In other countries people spend much less on healthcare overall. That means more money in your pocket for other things like private therapists.

[Anonymous]

There is lot of therapy info on youtube. We use that in addition to the 1x per month we can afford.

[Anonymous]

Anonymous wrote:There is lot of therapy info on youtube. We use that in addition to the 1x per month we can afford.

What? Therapy info on YouTube isn’t therapy and neither is seeing an actual therapist once a week.