Many people delay starting psychotherapy because they do not understand how the cost of psychological treatment is covered by their health insurance. Health plan brochures often describe mental health benefits in
a misleading or vague manner, leading to doubts about coverage. Managed care has added to this confusion because the same managed care plan may provide different coverage, and have different co-pays and deductibles,
according to the contract negotiated with each employer. Understanding the factors involved in computing the cost of psychological services, and the terms used by insurance carriers, can help you determine what your
insurance will pay toward treatment, and ultimately, help you to understand the cost of psychological treatment.
The cost of psychological treatment is based on several factors:
Additionally, insurance coverage terms and plan provisions are also described:
Definitions of Health Insurance Coverage Terms
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