Monday, January 22, 2018

Therapy: Are You Covered?



Is your therapist covered by your workplace insurance?
Can you afford the number of required sessions to help you by either using your insurance coverage or paying 'out of pocket'?

Not all mental health care practitioners are covered by workplace insurance programs. Clients who don't review their workplace insurance prior to receiving psychological services can find themselves feeling very disappointed, and out of a lot of money when they find out that they are not covered for their sessions. It's important to find out how much coverage you have, and to figure out how much 'out of pocket' money you'll need to be able to attend sessions consistently and until a significant change has been realized. It's important to learn at the outset about how many sessions you'll be able to afford with your insurance coverage and ability to pay 'out of pocket'.

Registered psychologists tend to be covered by most workplace insurance programs. However, if you are seeing a psychotherapist or social worker, you'll want to verify whether their services are covered under your program. At Centre For Interpersonal Relationships (CFIR), psychotherapists and social workers are supervised by a registered clinical psychologist, and receipts are issued under the supervising psychologist. Some insurance companies will accept these circumstances, while others will not. It's up to you to verify with your insurer whether your insurer will cover your sessions.

Since most individuals will require more sessions than their insurance covers, it's important for you to evaluate whether you can afford to pay for sessions 'out of pocket' once your insurance has run out. It's important to have these discussions with your therapist to ensure that your treatment is not disrupted by lack of financial resources. Based on your insurance, and ability to 'pay out of pocket', your therapist may determine given your presenting concerns, that other treatment options may be better for you (i.e., workshops or group therapy, or seeing a psychotherapist or joining our Reduced Cost Services program). In the event that you find yourself out of insurance dollars, and your ability to pay 'out of pocket' reduced, you may want to alter the number of sessions you attend per month or take a break from therapy until which point your workplace insurance kicks in again.

CFIR offers you different options to ensure accessibility and affordability of services. If you have run out of insurance and are having difficulties paying for services 'out of pocket', our counsellors, who are supervised by our psychologists, can be seen for a fraction of the cost of seeing a psychologist. Referral to our counsellors is seamless and ensures continuity of your treatment with minimal disruptions.