Psychiatrists May Be Covered, But There Aren’t Enough Of Them
According to the Affordable Care Act, also known as Obamacare, mental health falls into the standard package which all health insurance has to cover to one extent or another. It also qualifies as a kind of primary care, which means that you don’t need to see a general practitioner first before you visit a psychologist or psychiatrist. Unfortunately, having health care coverage doesn’t mean that you’re always going to find a therapist near you, and it doesn’t mean that he or she is going to accept your insurance.
A Supply Shortfall
Throughout the health profession there’s a growing shortage of doctors and nurses, and that’s especially true of general practitioners. Primary care physicians may help with all kinds of mild conditions, and they may direct their patients to the right specialists, but since specialists typically earn more money they usually attract more medical students into their ranks.
However, mental health professionals are in even shorter supply, and a full half of all US counties don’t have so much as a single licensed psychologist despite how 1 in 5 Americans has a mental disorder that could benefit from professional help. The trouble is that psychologists and psychiatrists are very often self-employed, which means they have to deal with the business side of their affairs just as often as they deal with their patients.
The Trouble With Independence
Running your own business isn’t exactly a dream job. It involves a lot of headaches you don’t have to deal with as an employee, headaches like clients who won’t pay, designing and funding marketing campaigns, and both initiating and defending against lawsuits. Plus, thanks to their particular profession, psychologists and psychiatrists frequently have to deal with patients who are having trouble coping with life, which can mean missed sessions, random outbursts, and forgetfulness when it comes time to pay the bill.
On top of all that, insurance companies don’t like to deal with mental health professionals since the mind is such a muddy field of expertise. Unlike with physical health, it’s hard to come up with quantifiable milestones and effective procedures, because as different as every human body is from one another, every human brain is even more unique. As such, many insurers try to pay these caregivers as little as they can or else they search for loopholes that let them pay nothing at all. It’s because of this slipperiness that most psychologists and even half of all psychiatrists (who have a medical degree and can prescribe medication) don’t accept insurance.
Fortunately, even if your psychiatrist refuses to take your insurance and in turn your insurance won’t cover your prescription, you can get help in the form of the USA Rx pharmacy discount card. Our discount card isn’t insurance, and it doesn’t care about coverage or who signs off on your doctor’s note – all it does is provide discounts that range all the way up to 75 percent on prescription medication of every kind, from old generics to new brand names. To find out more, you can send us an email at [email protected] or else dial our toll-free number at 888-277-3911.