Insurance for Counseling: The Downside

Some things to keep in mind when deciding whether to use health insurance for your counseling sessions:

  • Insurance companies require a medical diagnosis
  • Counseling and coaching for self improvement isn’t covered
  • Counseling for normal reactions to life stressors isn’t covered
  • This means you’ll have a history of a mental disorder
  • Your insurance company will have access to your treatment record
  • If there is an audit at the insurance company, your records may be read
  • You may need to report a mental health diagnosis when applying for a job
  • A study at the University of Illinois found half of Fortune 500 companies use health data in employment decisions – even though they’re not supposed to

Here is a good article on privacy and health records:


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