How Out-of-Network Providers Can Make a Difference

Have you been taking your child to an in-network provider, but you aren’t noticing any change? Well, you might not be the only one. There are many reasons why your child might not be getting the care they need from an in-network therapist. Taking your child to an insurance-based therapist might seem easier and less expensive — until you consider how many other families have the same idea.

As a result, the insurance provider will likely be swamped with children dealing with different problems, making it a challenge for them to tailor a treatment plan and an approach specifically for your child. ‏

‏If you are worried about the care your child is receiving from an insurance provider and you are starting to think about looking for help elsewhere, here are some reasons why you might want to explore other options out of network.

In-Network vs. Out-of-Network

The major difference between in-network and out-of-network providers is that in-network expenses are shared with a health insurance plan, while out-of-network costs are not. Out-of-network services are usually paid for out of pocket.

The Benefits of Seeing an Out-of-Network Provider

While there’s a time and place for in-network care, consider the benefits of seeking an out-of-network provider.

Greater Confidentiality

Once your child receives treatment in an insurance-based office, their record becomes permanent and will be shared with an insurance company. This means there will always be a record of your child having dealt with a particular issue at some point in their life.

When you choose to see an out-of-network provider, a mental health diagnosis will not show up on your child’s permanent medical record. Skipping the partnership with health insurance companies adds an extra layer of confidentiality.

Specialized Care Options

When taking your child to an in-network therapist, your options can be limited to a small pool of people. This might not really be a problem in some cases because many therapists are qualified to treat common challenges. For instance, if your child is suffering from anxiety or depression, an insurance provider will probably be able to provide the care your child needs.

That said, an out-of-network provider may offer more specialized care. In other words, if you are looking for a therapist to help your child address a particular challenge, you’ll have a better chance of finding effective help out-of-network. For example, there are therapists who deal with pediatric neurology, eating disorders, OCD and insomnia.

Shorter Waitlists

The convenience and shared costs of in-network providers often result in longer waitlists. With a high volume of patients competing for time, you won’t have the flexibility to try and have the provider schedule an appointment when you are free. This means you will use whatever slot they allocate to you, working around their schedule rather than your family’s.

If your child is struggling, they need help sooner rather than later — and an out-of-network provider can often deliver it. Here, your child will receive the support they need as soon as you find the therapist you think is best for them. In most instances, private-pay therapists do not have long waiting lists. In fact, they might not even have waiting lists at all. This means there is a chance you can schedule an appointment, and your child will start receiving help on the very same day.

Financial Flexibility and Quality Care

While costs for out-of-network care can be higher out of pocket, these providers often allow more financial flexibility. In-network providers are contractually obligated to receive full payments for coinsurance, deductibles and copays. When a therapist is not worried about payment, your child will receive a higher quality of care in their session. The therapist will not be in a hurry to see as many patients as possible so they can make more money. So, in short, the more therapists are easily able to take care of themselves, the better they are able to take care of your child’s needs.

More Individualized Attention

‏In-network therapists work with high caseloads. This means that on a daily basis, they have to sit with and listen to large numbers of clients, each asking different questions and dealing with different issues. In such an environment, providing individualized care is next to impossible.

If you want to enjoy more personalized attention for your child, you should consider visiting an out-of-network therapist that provides one-on-one care. You will be able to build a relationship with the therapist, making it possible to approach your child’s issues as a team.‏

Get the Results Your Child Deserves at Courageous Kids Counseling

‏There are several benefits for both you and the therapist when you choose to go out of network. At Courageous Kids Counseling, we prioritize our patients, striving to give them the care they need and deserve. Contact us today with any questions or to set up an appointment.

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