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Affordable Mental Health Services: Therapy Cost Columbus, Ohio

When considering therapy, it’s crucial to understand the potential costs involved. At Directions Counseling & Coaching, we break down the expenses associated with therapy in Columbus, Ohio, including insurance coverage and affordable options.

Insurance Coverage: What’s the Cost of Therapy with Insurance?

Many health insurance plans offer coverage for mental health services, including therapy. However, the extent of coverage can vary significantly depending on your insurance provider and plan. Before requesting an appointment, it’s advisable to contact your insurance company to inquire about your mental health benefits.

Common concerns about using insurance for counseling

There is a debate in the professional community about whether or not it is wise to use your health insurance to help cover counseling costs. Two concerns exist: privacy and the quality of care you receive.

Privacy

When you apply for new insurance, you might need to give permission for the insurer to check your medical history. Some people worry that if you had a diagnosis before, you could be denied insurance in the future, whether it’s life, health, or other types of insurance.

We can’t decide who you share your mental health history with, but it’s important to understand how sharing personal information with insurance companies could affect you later on.

Quality of Care

Some insurance companies monitor and limit counseling services to control costs. This means they might decide how much or what type of counseling you can receive.

Critics argue that it’s better to pay for counseling directly because third parties, like insurance companies, may not understand your needs well enough to make important decisions about your mental health. While the initial cost of self-pay may seem daunting, it allows clients to bypass the bureaucracy of insurance and maintain privacy in your therapy treatment.

What to ask your insurance provider:

  • Do my benefits cover mental health counseling services?
  • Do I have a deductible? If so, what is the amount, and what portion of my deductible have I met this year?
  • Do I have a copay or coinsurance percentage?
  • How many visits do I have per calendar or policy year?
  • Do I need preauthorization for my visits? If so, what is my preauthorization number? How many visits does this cover, and what are the effective dates?
  • What credentials does my therapist need to have?*