The Problem with Health Insurance and Therapy

We all need someone to talk to sometimes, someone to listen, to care, to process, to advise us occasionally, and to support us through transitions in life. I teach a pyramid of support. At the bottom, the foundation layer, you have the support that is closest to you in proximity. This includes your family and friends, peers and coworkers, acquaintances, and social connections. It’s the people who form your daily interactions and will likely show up to your funeral. At the tippy top of the pyramid is the rarest and most professional support you might ever need; think psychiatrist, plastic surgeon, or criminal defense attorney. Some people never need this level of support. If you do have a need in this category, it is likely there is no alternative because it is so specialized.

The middle part of the pyramid between the bookends includes a variety of styles and levels of support. I call this the “can’t do it myself and I need some help” section. Skilled trades and professional services fall into this section. It’s the people who provide you something you can’t do for yourself. Narrowing in on the category of mental health, this section includes therapists, counselors, mentors, social workers, life coaches, health coaches, doctors, nurses, trainers, and more. There are many people in many roles who offer different flavors of support but ultimately are purposed to help you make the most of your life and find true wellness.

Unfortunately, in our society, money and the systems it flows through controls the narrative. In recent decades, “health insurance” has become the standard decision maker in people’s care. Many professionals who are connected to the “health care system” are under the influence of the people behind insurance. So, when therapy transitioned to a health-care service in order to qualify for coverage, it became a pawn of the industry too. What does this mean for you?

Concisely, if you use your health insurance to cover a service, it must be deemed a medically necessary treatment. Said another way, anything that your insurance pays for must be justified as a treatment of a disease or disorder. Your therapist has to diagnose you with a mental health disorder and then notate your treatment to get paid. I’ve talked about this before in sharing why I left the clinical world of professional counseling. The system is not aligned with my moral standard. For a small group of individuals, this insurance benefit is a great thing! But most people are walking around believing they have mental health issues that they don’t. In fact, socially it is common to make light of serious disorders because they have become so familiar to us. I find this to be a tragedy and disservice to humanity.

It’s time to start viewing money, healthcare, and professional support differently. It’s not what most people think it is. This is why I offer the services that I do and at a rate that does not compete with insurance. I believe in the power of support for personal growth and wellness. We’re all trying to make a living doing something we love. I’m also trying to change the world by flowing under the mainstream current for the greater good. It’s not easy standing alone but it’s worth it. I’ll tell you the hard truth. I hope you receive it.