|
Posted by: DJ on 2009-06-11, 08:29:59
It reduces spending by limiting care. Most insurance companies only give a limited number of sessions based on the policy. After you use the visits, they won't pay for any more. Many require treatment plans from the provider to track your treatment and progress. If you don't get better on their terms, they may stop paying. They also use many tactics to stall on paying legitimate claims. Insurance companies want you to take a pill because it's cheaper. When counseling is insisted by the patient, they prefer cognitive behavioral therapy. It's usually shorter lived than any other type of therapy. It's not always effective because they basically tell you to stop being depressed or anxious and send you on your way. It's harder for an insurance company to limit regular physical health care because there are so many doctors lobbying our law makers to pass laws to make insurance pay these claims. Payment is much easier for the providers who focus on getting you out the door as fast as possible. They rely on a volume of patients rather than repeat visits. Eventually, people either give up and live with their mental disorder or break down and have an expensive stay in a mental hospital which, again is limited by the insurance. |
