Insurance Privacy Risks for Clients
For therapy to work, you must feel free to disclose difficult and sometimes painful information. If a therapist is part of an insurance network, that therapist is obligated to share all details with representatives of the insurance company when requested. This is one of the primary reasons we choose to remain out-of-network.
Health Records Exposure
All insurance plans involve direct oversight by the plan’s managers. This makes it necessary for an in-network therapist to disclose anything and everything related to your case to your insurance company.
This information is used by the insurance company for determining benefits, which they allocate at their own discretion without input from the therapist.
Lack of Control
Insurance companies often want to completely control the therapy process. In this scenario, they will dictate the specific treatment plan that the therapist is to follow for a given diagnosis. However, therapy is highly personal and there is no “one size fits all” approach. It is very subjective and insurance company interference can hurt the process more than help.
Likewise, almost all plans only allow for a certain number of therapy sessions. Your insurance company will determine when it is time to terminate treatment without regard to whether you are truly finished with the process.
No Real Privacy
Another way in which a lack of privacy can be detrimental is that FBI and other law enforcement officials can also access your insurance information at any time. This information could be used to your disadvantage should a legal problem arise.
Furthermore, this lack of confidentiality could impact minor children even more negatively. Should they ever desire to apply for certain jobs or educational programs, such as law enforcement or military, the information in their insurance files could be used against them.
Out-of-Network Offers Best Protection
By remaining an out-of-network therapy practice, Keystone Counseling is not obligated to share any information with any insurance company. Should you choose to file for reimbursement through your insurance, Keystone Counseling must only provide an official diagnosis code (such as “V61.10 – Relationship Distress w/ Partner”). We are not obligated to nor do we share any other information regarding your sessions.
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