Utah Family Therapy Insurance Policy

Most individual and small group health insurance plans … are required to cover mental health and substance use disorder services

Utah Family Therapy accepts DMBA and Blue Cross Blue Shield mental health insurance. If you do not have this insurance, call your insurance provider to learn about your out-of-network coverage

Insurance should not be how you choose your therapist. Getting the highest quality care for you and your family should be your focus.

Mental Health Insurance Demystified

5 Reasons Why Insurance Is NOT Recommended:

  1. Diagnosed With Mental Disorder – Insurance requires that everyone is diagnosed with a mental disorder to be reimbursed for therapy. Most people do not know that HIPAA (Health Insurance Portability and Accountability Act) does not keep your diagnosis completely confidential. Your diagnosis information will be shared with people in other insurance companies and also with the government. When the information is shared with these groups, an employer will then be allowed to request that information about you.
  2. Medication Evaluation – Insurance may require you to get a medication evaluation about your diagnosis and require you to take certain medications even if you don’t want/need to. We can provide complete confidentiality and more freedom by not using insurance.
  3. Restraints – Insurance may give you financial limitations not because it is best for you, but because it is best for them, saving them (Insurance Company), the most money. This limits what we can do with you as therapists. Insurance companies will determine how many sessions they think you need, and some might even decide which therapy modality is approved. They will tell you what you need based on what will be financially beneficial to them rather than what will help you the most. By not using insurance we can go by your timeline according to your needs.
  4. Therapy Taken More Serious – People seem to work harder and take their therapy more serious when they are paying for it themselves. When people use their own money, they appreciate the services that are being provided more than they would if insurance was paying for it. Also, therapy is affordable. For the most part, getting all the therapeutic hours you need would cost just as much as paying for a big-screen T.V. It depends on how much your mental health is worth to you.
  5. Flexibility – Without using insurance, we can be more flexible with payments and fees. We are usually willing to help out people that are in need. We would also be able to continue to provide therapy to those who may need to wait until they are in a better financial state. Using insurance does not allow this type of flexibility with payments.

Flex Pay

If you have a flex pay card that was provided by your insurance, we can use this form of payment and also keep your diagnostic information confidential.

We can also bill you; then you could take the bill and give it to your insurance to see if they will reimburse you. We cannot promise that they will pay the entire bill, because of the reasons we just explained. This way is not recommended but if you do it this way, please talk to your insurance provider and see what they will cover.

With all of that said, As of 2014*, most individual and small group health insurance plans, including plans sold in the Marketplace are required to cover mental health and substance use disorder services. Medicaid Alternative Benefit Plans also must cover mental health and substance use disorder services. Continue to read the full details here.

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