My therapist of 3+ years just told me that she’s going to stop taking insurance starting in January and her new rate will be $160 per session (right now I pay $45 for our weekly sessions). My insurance will not cover any of it.

I’m panicking. I struggle with depression and anxiety and my weekly sessions are what keeps me going (and meds!). I also love my therapist and she knows everything about me. I don’t want to start over but I also don’t know if I can afford $160 per session… what do I do?

Posting as :
works at
You are currently posting as works at

Have you expressed as much to her? I was in a similar situation in the past when I changed jobs and my therapist was more than willing to work it out with me!

like

Good luck! It will work out the way it’s supposed to!

like

OP can you switch to a plan that has out of network coverage? That’s the only way to get anything covered when a doctor takes no insurance (I’ve been down this road too). If not, can you tell your therapist everything you just posted? It’s possible for a longterm patient they might work with you to figure out a sliding scale fee based on what you can afford.

like

This is why I choose a really expensive PPO insurance plan that reimburses you for at least half of that cost once you hit the deductible. Most really good therapists don’t take insurance if you’re in a big coastal city. It’s a shame. I personally think a good therapist is worth their weight in gold but only you can evaluate your expenses. Good luck!

like

My PPO too, but my deductible is $2200 🙃

Hitem with the “can you…not?”

funny

You can use an FSA account to cover the visits. At least it is pre-tax.

like

Yes, you can do it for next year!

like

Did she tell you personally or it was like a form email? Maybe she can offer you a sliding scale.

Or pay full but Switch to bi-weekly if need be. I did this in 2020 and sometimes it was more effective because more happened in between sessions. Good luck.

Also NAMI is a great free resource, I used to volunteer there.

Are they allowed to increase rates as much as 4 X? Please talk to your therapist and let them know of your hardship. High probability that they will adjust it somewhat but don’t think it will ever go back to previous rates. Try to go every two week and see if that would be okay for you! Good luck OP!

Thank you all so much for the advice! I just talked to her and she is offering a sliding scale so I can get in at a discounted rate. I’m also looking into setting up an HSA to save costs that way, and seeing if I can get on a lower deductible plan during open enrollment. Appreciate y’all ❤️

Amazing! So glad you had the conversation and things are looking up. If I might, suggest looking into an FSA as well. It’s nice to have some money set aside that you don’t have to think too much about.

like

This is America. Revolts pending.

Related Posts

Hey fam! Asking for my SO. She’s a SC2 at D interviewing at Cognizant for their Healthcare practice. Would like to see what’s everyone’s opinion is about the firm, the WLB and nature of work?

like

Does any one else have small panic attacks throughout the day? There are sudden moments where I feel overwhelmed and I can’t breathe so I force myself to go to the bathroom or to my car to calm down..

like

I’m designing for public-use interactive tablets.

But given the current health scares, we can only assume people won’t want to touch.

Thoughts on interactive UX in a non-interactive moment?

like

Best way to develop your leadership skills for the healthcare field? Or books/resources you would recommend?

like

New to insurance, please can someone explain what "capacity" means in the context of a managing general agent or coverholder in the insurance world? E.g. "An MGA securing more capacity to write D&O lines"

like
like

What’s the one strategy/technique/ritual that has worked the best for your mental health? (Even if that was not the intention of it)

like

To the struggling healthcare student. It’s okay to struggle and not know stuff. Sincerely your friendly neighborhood physical therapist.

like

What are your favorite apps that encourage healthy lifestyle in your patients that might need changes in that area?

like

Do we know if there is a sponsoring partner that oversees this benefit/ program that I could have more of a heart to heart conversation with? Not getting too far with the general email box and admin contact. From the benefit policy documentation, my understanding is that EY reimburses employees for surrogacy / adoption related expenses up to $50k lifetime. However, anything related to IVF or medical procedures has to go through insurance (also limited to $50k lifetime benefit). Continued…

like

Fitbit vs. Google Fit for tracking workout and health stats. Why?

like

how do you guys maintain energy during busy season? I feel like I am always tired and still have lots to do.

like

How do you get more dopamine?

like

I’m currently Working in Healthcare IT as a Project Manager. Thinking of transitioning into healthcare consulting. What are your tips on this with regards to companies, options and challenges

like
like

Does this benefit cover procedures such as freezing eggs?

like

Does anyone deal with (suspected or diagnosed) comorbid anxiety and/or depression? How did you broach the conversation with your psych?

like

Best pet insurance for a puppy?

like

MBA admit here and have to put down a deposit soon, having serious cold feet right now due to the covid situation and potentially having to start virtually. Would love any perspective on how it's been particularly socially and what your schools' outlook on the fall is

like

More Posts

Can anyone tell me if Marcum drug tests experienced hires?

like

Anyone else been told that for non-promotion years to expect an average of 5% raise and an average of 10% raise for promotion years? This is at a Top 25 Midwest accounting firm. Calculated my projected salary for the next 5 years and decided to find another firm. Much happier now 😊

likeuplifting

Anyone think HODL has jumped the shark?

like

Any one planned or attended an Indian wedding in Seattle or New Jersey area? Can you please personal message me? I’m planning my wedding in December and would like some insights. Thank you!

like

My end all be all goal right now is to eventually run my own private wealth management firm.
My question is though: Should I try to go straight into private wealth out of college and become a private wealth associate, or take a different route, and start as a base level financial advisor to get some general advisement background?

like
like

Has anybody worked on VAT team on RSM or know people that have? What is culture like? Work schedule and hours like during busy season? Any information would be helpful.

like

Guess we know this person's entry price

Post Photo
likefunny

M here.

Anyone for catch up and explore good places evening or tomorrow?

like

Whether there is any external certification or higher studies will be offered by Atos for experienced professionals...Domain SAP

like

I hateeeeeee mornings!

like

Just took my wife to the movie The Accountant. After nearly 10 years in this profession... and she now understands what I do for a living!💵🔪🔫

like

Who said they want to mute Trump on Zoom before? LOL

Post Photo
likefunny

There's a ton of self help and leadership books out there to help people in their careers. If there was one that was written front the lense of a public accounting, would you read it?

likehelpful

I want to change my Base location, what is the process now a days ?
I completed 1.5years in TCS & lateral entry.

like
like

If I lost my wallet and I found out the next day my AirTag GPS on my wallet is at some random house in queens, can I ask the cops to retrieve it for me?

like

Been asked to present my current client’s plan and PCA in second interview for a role. Am I being over cautious by not feeling comfortable with this?

like

I’ll be promoted next year to senior but I’m in a niche role where I don’t see myself long term. Should I make a job switch now or should I wait to get promoted to senior? I currently have 1.5 years of experience.

like

Additional Posts in Mental Health in Advertising

I’m sick of living in NYC but can’t go anywhere.

like

I want to advance in my career, but I have no energy to do anything when I get home, even if it's an early day.

(cont)

like

How can I live with my decisions and stop changing my mind about things?

like

Would it be bad if I change my start date? I proposed to my employer a start date 2 weeks after I quit my job, but now that I think about it, I feel like I need a week to recharge before starting a new job.

like

Its my birthday. And nobody knows at my work I feel a bit awkward also first birthday I have to be all alone :/ . New city any ideas to celebrate myself ?:D

like

I'm pretty sure I've been suffering from ADHD my entire life. As a POC, admitting anything that remotely sounds like a mental disease wasn't an option. Now that I'm a growntheir 35 year old man...

like

I feel like my brain is dying. I can barely think let alone think of good ideas. I’m angry and depressed and it’s consuming my thoughts.

like

I’m not having harmful thoughts but I’m so sad and scared I wake up in the night crying. It makes me tired and I can barely focus. Ideas?

Really appreciate this bowl - and this barely matters - but the cover image is quite off putting.

likefunny

I’m riddled with anxiety and emotionally convinced that something bad is going to happen today. It feels like instinct mixed with dread. Does anyone else get this? How do you move past it?

like

Any recos for a therapist who:
- is in BK/manhattan
- takes Oxford Health
- is good for treating social anxiety
- is female (preferably but not a game changer)
?

How do you do weekly therapy while working full time? I'm looking to start and have a potential reoccurring evening appointment, but it would still require me to leave the office by 5 once a week.

like

Has anyone else noticed they’re stressed without “feeling” stressed? I don’t feel as stressed as when I was in college. However, I’m still on the job hunt and I think stress is manifesting itself without me realizing it. My skin is showing really bad acne, I feel unmotivated even to fill out job applications; I’m having trouble falling asleep at night and even though I sleep past noon sometimes I still feel tired during the day... Is it stress or burnout?

like

Friendly reminder that depression is a protected disability. File paperwork with your company and they legally cannot destroy your health by overworking you.

like

I live alone and work for myself. Having horrible productivity issues right now. Its a cycle of procrastination and shame. Horrible mindset to have while trying to “create”. Working out hasn’t helped

like

Anybody on Trintellix? Thoughts ?

like

Me: Today will be a great day
My anxiety:

Post Photo
likefunny

K so. My bf just told me he is an atheist. I knew he wasn’t super religious, but our talks before made me think he atleast believed in some sort of afterlife. I know everyone has their own opinion..

like

Have you felt like the industry (including job searching) left you contempt or jaded to the point, you’ve started turning into a nihilist?

like

Exhausted by entitled clients that are just plain nasty. Is it just me or are clients everywhere getting more demanding and treating their agencies worse?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal