Dr. Heather Gaedt
WHY YOU MAY CHOOSE NOT TO USE INSURANCE
There are important reasons why you may not want to use insurance.
You will need to be diagnosed with a mental disorder. This record will follow you for many years to come. Insurance companies do not have to follow the same HIPPA laws that I have to.
They are able to sell your information at their discretion.
Your insurance company may authorize a limited number of therapy sessions and then based on your progress, may either authorize continued treatment or not. If you decide to continue past this point, you will be responsible for the full cost of the continued sessions.
LOSS OF CONFIDENTIALITY
If you are using your insurance company to pay for your therapy, you should be aware that they have the right to know why you are going to therapy and what progress you are making. They have the right to audit your chart and any notes I have and ask questions of me regarding your issues. Again, they do not follow the same HIPPA compliance laws that therapists have to.
Many of the more experienced and more established therapists have removed themselves from managed care panels. This may make it difficult for someone using their insurance benefits to find a particular specialty or a certain level of experience.
LACK OF AVAILABILITY
Due to several of the above issues, many therapists limit the number of their clients who are using managed care benefits and usually reserve their more convenient time slots for private pay clients.