Health

Why You May NOT Want to Use Your Health Insurance for Counseling

Many counselors prefer not to work in network with health insurance companies so that they can better protect your confidentiality. Any information (claims, reports, or treatment plans) filed with health insurance leaves the protection of their office and their locked files and your personal, private, emotional information is outside of your counselor’s office. In order for any insurance company to reimburse or pay for counseling (both in network and out of network), you must be considered “ill”. You must be diagnosed with a mental health illness or disorder. If you are not ill enough to warrant a diagnosis, then insurance will not pay for counseling services. If you do qualify for a mental health diagnosis, your illness will be listed in your permanent medical record. Many counselors don’t like this “medical model” of declaring someone ill, so they choose not to accept insurance because they want to focus on their client’s strengths, and not label them as mentally ill.

Do you want to be considered mentally ill? If you have a mental health diagnosis already, because you have been to counseling or psychiatric appointments in the past, find out what your diagnosis on file is. If you already have a mental health diagnosis, this may not be a concern to you, but if not, you may not want this in your medical record.

Counselors also do not like releasing information to others to protect your confidentiality. Once a claim is submitted to the insurance company, who knows how many people take a look at it and rubber stamp it while it travels through the system? If insurance pays for any counseling sessions (in network or out of network), then the insurance company has the right to audit your complete file 心臟起搏器手術. They can request copies of counseling notes, assessments, and other personal emotional information to determine if you really are “sick enough” to warrant their payment. They can deny services to you if they think you aren’t sick enough or if they think your counseling is not “medically necessary”.

Additionally, there are many counseling issues that are not even covered by insurance at all. Stress management and anger management are usually not covered. Marriage counseling is usually not covered. Certain medical conditions/mental health conditions may be excluded (such as attention deficit disorder or adjustment disorder). Even if your illness or disorder is covered by your insurance plan, they may limit the number of visits they will cover (sometimes only 20 per year), and they will set a maximum amount they will pay per calendar year or in your lifetime.

Additionally, counselors prefer not to have someone in the insurance company telling them how to treat their clients. Insurance companies can decide what type of counseling is covered, what diagnoses are allowed, and how many times the client needs to come before they are cured. Many counselors prefer to work directly with clients to serve their needs, without interference from an insurance company.

Being healthy is so important to the quality of our lives. We should celebrate the life we have and that means taking the very best care of ourselves. As we age, the need to structure a robust regime of eating well, exercising and taking natural health supplements should become second nature to you. You should begin a healthy lifestyle in your 20’s and carry it on as your age increases. We all want and deserve the very best in life, especially when it comes to taking care of our bodies, minds and overall health. You are getting the very best that nature has to offer when you use natural health products.It is nature’s gift to you.

The signs of aging are much more than discovering a few more wrinkles, struggling with some “middle-aged spread” and an increase in annoying aches and pains. These effects of aging can be controlled with regular exercise, good skin care and natural pain relieving products. Some of these aging signs begin to appear in your 20’s, so you can never begin a healthy lifestyle too soon. Incorporating natural health products into your lifestyle will boost your energy levels and make your immune and cardiovascular system stronger.

The most important effects of aging are not on the outside, but what is taking place inside of the body. One of the most significant is the cardiovascular system, which are the heart, blood and vessels. They become less efficient as we grow older. Maintaining a healthy cardiovascular system is crucial for your vitality, wellbeing, and the correct functioning of your body. Threats to the cardiovascular system include high cholesterol and high blood pressure or hypertension, which leads to stroke and heart failure, among other things. A startling reported one in three adults has high blood pressure or hypertension. These threats can be reduced and prevented with a healthier lifestyle which includes exercise, not smoking and a healthy diet. There are high quality, natural herb based products that are proven to be very effective in promoting circulatory health.

In the last decade there has been an explosion of interest in natural health products. The reason is clear. They are effective and safe, and they help you with ailments and to achieve optimum health. Many medical doctors are now recommending natural health products and supplements to enhance the health of their patients.