Insurance Vs. Privacy

Counseling Care Circle works directly with patients to provide clinical care. At this time, we serve as out of network healthcare providers, and with patients who opt for private pay. We’ve come to this conclusion based on the experience of having worked with insurances, and also without insurances’ involvement. We co-create your individualized service plan, and you maintain your personal power in deciding what your insurance gets to know and doesn’t know about your healthcare.

There are several advantages to privately managing and paying for your psychotherapy and counseling services. These include but are not limited to increased confidentiality and not needing a codified mental health diagnosis. Thirdly, we can provide a sliding scale benevolence to the full fee for those who need it and pay up-front, case-by-case. What we talk about is highly private, and shouldn’t be accessible to anyone else, including your insurance company. Counselors work very hard to keep your information private per healthcare law. Your information is never shared with anyone unless required by law.

Insurance companies regularly share healthcare information, for some noble causes such as scientific research to improve best practices in the treatment of mental- and emotional-health disorders–and for some ignoble causes, such as helping pharmaceutical companies improve their marketing. Your health history information may be shared with your name and certain details redacted. This occurs behind the scenes, and the everyday civilian usually is not informed to consent to this known process. There is also the constant risk of hackers thieving your information, and using it without respect to your privacy rights.

Insurance companies require a codified diagnosis for billing purposes. They will not reimburse services unless a diagnosis is provided. The truth is there are some patients who do not qualify for any diagnosis, because their symptoms are in a no-man’s land in-between two or three other diagnoses. However, due to insurance’s structure for “medical necessity” during the intake process, patients are given a diagnosis from the first session onwards. Then, your permanent healthcare record reflects a mental emotional diagnosis.

Some patients prefer to keep their mental health care a private affair. Private pay may be beneficial for you in preventing insurance from commercializing your data, or marking your file for increased healthcare rates based on your diagnoses.

Some patients do not mind sharing disseminating their healthcare information with their insurances, and third parties who are involved. In such a situation, Counseling Care Circle can provide patients with information on how to pursue out of network reimbursement. Your therapist can also provide a SuperBill upon request. You can then pursue reimbursement from your insurance(s).

All that said, if you need to see a therapist, please go regardless. If your life is falling apart due to recurrent severe depression, or your relationships spiral out of control, that comes as the first priority. Your life matters more. Privacy concerns are second. You can speak about private pay with any therapist you are seriously considering. You can also request that your therapist anonymize your data. When you privately pay, you have the real option for your information to be completely private with pen on paper notes, reducing the likelihood of a hacker thieving your material to 0% short of a office break or destruction by natural elements (i.e. a building fire/flood). We feel it is optimal for patients to control their variables as best they can, as they seek and receive treatment.

The goal is to get help, in the most effective manner. Privacy-minded approaches are always welcome, and encouraged.