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. While it might seem easier and less expensive to take your child to an insurance-based therapist, you will quickly learn that’s probably what everyone else thinks.
As a result, the insurance provider will likely be swamped with children dealing with different problems, and this makes it a challenge for them to tailor a plan of treatment 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 check out other options out of network.
You Can Find a Therapist For Your Child’s Specific Needs
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.
However, for more unique cases, you might not be able to find someone who is qualified enough or who specializes in delivering the kind of help your child requires. So, 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.
There are many private-pay therapists who take their time to specialize in different areas so they can deliver care that is more tailored to a child’s unique needs. This means you might get what you are looking for if you go to a more specialized private pay practice. Once you have made the decision to go out of network, you must start searching for a therapist whose skills speak directly to your child’s needs. Sometimes you will find that there are therapists you hadn’t even thought to look for. For instance, there are therapists who deal with pediatric neurology, eating disorders, OCD, and insomnia.
More Privacy and Confidentiality
While an insurance-based therapist might not walk around discussing your child’s issues with strangers, the system they use doesn’t really offer the level of confidentiality you want for your child. For instance, once your child receives treatment, their record becomes permanent, and it 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 lives. This is a problem if you value your child’s privacy.
Your child shouldn’t have to trade their privacy for cheaper treatment. On the other hand, with a private pay therapist, your child’s record will not be stored in some company’s database for any reason. The goal of the therapist is to just help your child and whatever you discuss with them, and whatever they discover your child with stays in the patient file and never finds its way into an insurance company’s server.
Apart from having their records stored, when a child visits an insurance-based therapist, there is a high risk that they will be classified as part of a group of children suffering from a particular condition. This might not be the best help at this stage of their life. At a young age, labeling children with conditions that might only be temporary is not such a good idea.
The child will probably be displaying certain symptoms because of something they are experiencing currently. So, instead of putting them in a box, a private pay therapist will just help them overcome the challenges they are facing. They will probably outgrow these problems as they develop and grow to be a fully functional adult with no issues. So, if you want to get help without having your child labeled, you have a better chance at getting that when you consider out-of-network options.
Shorter Waiting List
Because finding an insurance provider seems easier and cheaper, many people end up going there. This results in longer waiting lists, and that’s a problem. Unfortunately, once you notice that your child is struggling with something, you don’t want to have to wait to have them receive help at a future date. That’s why you must consider an out-of-network therapist like Courageous Kids Counseling.
With private-pay therapists, your child will receive the help 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.
So if you are interested in scheduling quick appointments and taking your child to the therapist at a time that’s convenient for you and your child, you stand a better chance with a private pay therapist.
Due to the high volume of children insurance-based therapists have to deal with, you won’t have the legroom to try and have them schedule an appointment when you are free. This means you will use whatever slot they allocate to you. This is a problem because they most likely won’t take into account your work timetable and your child’s school hours.
Individualized and More Focused Attention
One of the reasons why parents prefer taking their children to private schools is because of the smaller class sizes. This makes a lot of sense. When your child is being taught by a teacher who only has to focus on a few children, they will not receive generalized attention. Instead, the teacher will work out a teaching plan that addresses the needs of each child. This is more or less the same situation with in- and out-of-network therapists. You can consider a private-pay therapist to be similar to a private school teacher in many aspects.
For instance, A Child Therapist in New City NY, likely receives a low volume of children, so to them, your child is not going to be treated like a number on an insurance file. Instead, there are high chances they will develop a personal relationship with your child and even know them on a first-name basis.
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 need to consider visiting an out-of-network therapist.
You will also be able to build a relationship with the therapist, and this makes it possible to approach your child’s issues as a team. Apart from that, you will be working with someone that you can easily reach if ever you have a problem or question.
More Security and Better Self Care for the Therapist
As you might have realized already, working conditions and volumes of cases affect the care that your child will receive. This is because therapy is about everyone involved, including you, the therapist, and your child. If a therapist is working in an environment that does not allow them to thrive or that exhausts them, the type of care they give your child will be affected in one way or the other.
When a therapist works with private clients, the client will most likely process payment at the end of each session. This means that the therapist does everything with the assurance that they are receiving their payment as soon as the job is done. For them, that’s one less thing to worry about. On the other hand, with insurance companies, that’s not the case.
Sometimes it will take them days or even months to reimburse a therapist. This affects the therapist’s quality of life because, just like you, they also have bills, families, and a life too. So while they are passionate about helping your child, they also need to make a living and take care of their children too.
As you might have guessed, insurance providers receive a high volume of clients because they are cheaper. This might work in your favor, but it certainly isn’t working theirs. On the other hand, private pay therapists often receive higher payments. This allows them to not have their focus on seeing high volumes of clients each week. Instead, they can get enough with just a few clients. This offers several advantages to your child.
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.
There are several benefits for both you and the therapist when you choose to go out of network. If you can afford a private-pay therapist, don’t hesitate to go out-of-network as this will be what’s best for your child.