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#240989 - 07/29/08 12:45 PM Money issues interfers with therapist relationship
LandOfShadow Offline
Member
MaleSurvivor

Registered: 12/11/07
Posts: 684
Loc: Minneapolis, Minnesota USA
I'm wondering if anyone has ideas how to deal with this. Perhaps a check on my thinking about this.

My therapist has raised her rates from $100 to $120. My insurance has revived downward the amount they pay leaving me to pay a significant increase. I don't feel I can afford it, so I am probably changing therapists (to someone "in-network" with full coverage) or stopping therapy.

I've spent 2 1/2 years building this relationship, I'm still in phase 1 of 3 and I'm facing starting over. I've been taken advantage of financially by my family and it feels like the same thing. Get him hooked, then raise your rates when he can't leave. It's making me so angry at her. She refuses to lower her rates. The insurance company refuses (so far) to raise their reimbursement. The trust I had is quickly evaporating. I feel so exploited financially and vulnerable. I have a lot of insecurities and fears around money.

I'm spending a quarter of my income on healthcare. I could continue my therapy if I'd drop my health insurance, but I'd be vulnerable to financial disaster due to a serious illness or going without care.

_________________________
Et par le pouvoir d’un mot Je recommence ma vie, Je suis né pour te connaître, Pour te nommer
Liberté

And by the power of a single word I can begin my life again, I was born to know you, to name you
Freedom

Paul Eluard

Top
#240990 - 07/29/08 12:51 PM Re: Money issues interfers with therapist relationship [Re: LandOfShadow]
hogan_dawg Offline
Guest

Registered: 03/26/08
Posts: 492
I very seldom comment in favour of dropping a therapist.

In my country, health care of this kind is paid for 100%, so I truly empathize with you - I could never afford the therapy I receive.

That said, I have always found therapists and psychiatrists to be pretty caring individuals who work for often much less than they are worth - because they give a damn.

If this one wants to raise her rates, despite your situation, do you feel that it informs or tells you where her priorities lay?

You Americans need a decent health care plan that isn't tied to private insurers and employment.

_________________________
I can say unequivocally that the lie of "To truly heal you must first forgive" has derailed more victims than the abusers themselves.
Andrew Vachs, 2003

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#240995 - 07/29/08 12:57 PM Re: Money issues interfers with therapist relationship [Re: LandOfShadow]
Stretch73 Offline
Member
MaleSurvivor

Registered: 06/27/08
Posts: 336
Loc: Sea Isle City, NJ
There is a Federal program known as "Medical Dental Expenses Tax Credit." If you are a tax-paying American citizen, you can apply for the program. Essentially, the government will deduct medical expenses from the federal tax that you owe. As far as I know, the program is only available to people for no longer than eight months. In that eight months, I believe the government expects you to locate other means for paying your medical expenses. You can go here to read up on it; http://www.govbenefits.gov
I know that you can also go to your local Labor Office and pick up the information.

Hope this helped!

Rich

_________________________
"I was so poor growing up, that if I wasn't born a boy, I wouldn't have had anything to play with." Rodney Dangerfield

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#240997 - 07/29/08 01:00 PM Re: Money issues interfers with therapist relationship [Re: hogan_dawg]
blueshift Offline
Guest

Registered: 01/21/08
Posts: 1242
Loc: infinity
Yeah, I think if that's where her priorities are, maybe it's time to move on. You do have to pretty much start all over again building trust and so on, but otherwise, I think it will just eat at you and hinder your therapy anyway to know that you are paying so much and that it's all about money with her.

_________________________
My Story
My Art

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#241002 - 07/29/08 01:11 PM Re: Money issues interfers with therapist relationship [Re: hogan_dawg]
LandOfShadow Offline
Member
MaleSurvivor

Registered: 12/11/07
Posts: 684
Loc: Minneapolis, Minnesota USA
Yes, the travesty of US healthcare is obvious to everyone except those profitting from it, but until I finally decide to leave, I am stuck here.

Yes, perhaps you are right on priorities. She recently did a major kitchen remodel, bought land and is building a second home. She says her rates are still below average. I haven't tried to compare rates and experience and that seems a complex exercise.

_________________________
Et par le pouvoir d’un mot Je recommence ma vie, Je suis né pour te connaître, Pour te nommer
Liberté

And by the power of a single word I can begin my life again, I was born to know you, to name you
Freedom

Paul Eluard

Top
#241005 - 07/29/08 01:16 PM Re: Money issues interfers with therapist relation [Re: LandOfShadow]
hogan_dawg Offline
Guest

Registered: 03/26/08
Posts: 492
In Canada, the going rate for an MD-Psychiatrist with:

B.Sc (3 years minimum), MD (3-4 years) + 4 years specialty training in psychiatry was $110 per hour.

It's so hard to shift gears though and leave a therapist. I feel for your plight.

Maybe it's going to boil down to brinkmanship - like, maybe she thinks you'll swallow the increase without batting an eye. Stretch's government idea is a good one though...but temporary. Sigh.





Edited by hogan_dawg (07/29/08 01:17 PM)
_________________________
I can say unequivocally that the lie of "To truly heal you must first forgive" has derailed more victims than the abusers themselves.
Andrew Vachs, 2003

Top
#241108 - 07/29/08 06:45 PM Re: Money issues interfers with therapist relation [Re: hogan_dawg]
deck Offline
Member

Registered: 08/19/06
Posts: 109
Loc: Indiana
Well she may be raising her rates for any number of reasons. The truth is it doesn't matter why.

I would suggest that you not drop your health insurance. Ask your therapist if she would be able to recommend someone in the area. You could ask about organizations that have a "floating scale". How much you pay is based on your income.

Many churches sponser counselors or facilities covering part of the expense. Although I am not particlarly religous, my current conselor is affiliated with a church. His fee is based on a floating scale.


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#241111 - 07/29/08 06:59 PM Re: Money issues interfers with therapist relation [Re: deck]
OKIE MIKE Offline
Member

Registered: 02/13/04
Posts: 982
Loc: HULBERT OK
In my opinion all that a shrink does is direct you in how help your self. There is better advise on this list than you can get from someone who has studied some book . The people here have experence in real life, and truely do know what you are feeling

_________________________
MICHAEL

"I HAD NO SHOES THEN I SAW A MAN THAT HAD NO FEET"

"All I can do is be me, whoever that is"

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#241120 - 07/29/08 07:31 PM Re: Money issues interfers with therapist relationship [Re: LandOfShadow]
pufferfish Offline
Member
MaleSurvivor

Registered: 02/26/08
Posts: 6875
Loc: USA
This doesn't help

It's just a rant

I've spent something like $170,000 of my own money on counseling because of what other people did to me when I was a helpless child.

Sorry for the rant

Puffer


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#241127 - 07/29/08 07:46 PM Re: Money issues interfers with therapist relationship [Re: pufferfish]
LandOfShadow Offline
Member
MaleSurvivor

Registered: 12/11/07
Posts: 684
Loc: Minneapolis, Minnesota USA
Rants are ok. You are a courageous and strong man Puffer, and I admire you for it.

_________________________
Et par le pouvoir d’un mot Je recommence ma vie, Je suis né pour te connaître, Pour te nommer
Liberté

And by the power of a single word I can begin my life again, I was born to know you, to name you
Freedom

Paul Eluard

Top
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