WHAT HAPPENS IF I DON"T PAY MY CO-PAYS FOR THERAPY? WON'T INSURANCE WORRY ABOUT THAT?

 Most if not all insurance plans ask patients to pay a "co-pay" or small portion each session. Co-Pays range from $5 per session and can be as high as $100. Your "co-pay" may also vary from discipline to discipline. This just means that you may have a $5 co-pay for your Primary MD and a $20 co-pay for therapy. The best way to find out what you owe is to contact your insurance plan.

If you don't pay your co-pay, the insurance company will not pay it on your behalf. If you do not pay your co-pay, your therapist will be personally charged for the amount. Missing just one or two co-pays can be costly for a therapist. Imagine having 30 clients (which is typical) and those clients only have a tiny $5 copay. If this goes unpaid, your therapist could be spending hundreds of dollars per month paying co-pays for patients. Now imagine if most patients have a $20-35 co-pay per session. It becomes more apparent that this can be a burden for therapists to pay this session after session. 

Out of respect for your therapist, please ensure that paying your co-pay is something you do each and every session. If you are unable to pay, please advise your therapist because your therapist will be responsible for this cost.

Therapists rarely enter the field of mental health to "get rich," but paying co-pays for multiple clients each day or week becomes extremely expensive.