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The Cost of Therapy: How to Find Affordable Services

One of the the biggest deterrents from attending therapy is the expense of it. The cost of therapy doesn’t have to be a barrier to care though. There are multiple ways to pay for therapy and get adequate care without breaking the bank.

Key Topics

money under laptop cost of therapy

Insurance

Utilizing your insurance is one of the most common ways to pay for therapy. In California, it is reported that approximately 58% of therapists accept insurance in some form. Your medical insurance provider should be able to give you a list of therapists in your area that accept your insurance, what the copay may be (or if you will be reimbursed), and if there are any restrictions on services (i.e. a diagnosis is needed, limit on amount of sessions, etc.). If you have a HSA or FSA account attached to your insurance, this could be a way to put money away to cover the cost of therapy as well.

As of January 1st, 2022, if you are interested in working with an “Out-of-Network” provider, they should also provide you with a “Good Faith Estimate” of services. Learn a little more about GFEs here.

EAP Services

Looking into additional mental health coverage through an employer is another great way to access mental health treatment. Some employers will provide additional EAP services that cover counseling. While others may provide wellness treatment reimbursement, meaning they will reimburse you for certain wellness related services you paid for out-of-pocket. Check in with your human resources department to see if they have additional services you can tap into.

Private Pay

Now as noted above, about 58% of therapists in California accept insurance, which means about 42% do not. This is common due to the fact that not long ago health insurance did not cover the cost of behavioral health services. This often is a preferred method for covering the cost of therapy amongst consumers for various reasons. One being the paper trail of their diagnosis that is left behind when they are treated through an insurance provider. One may not want a diagnosis attached to their medical record. In other cases, many people attend therapy to prevent reaching a point of having a clinically diagnos-able disorder. Preventative therapy treatment is often times not covered by insurance providers.

On the therapist’s end, it is also very likely that an insurance provider would reimburse a therapist at a much lower rate than their out-of-pocket fee. This often is a barrier for therapists paneling with an insurance carrier, while also trying to make a living.

Sliding Scale Services

Sliding scale services are often times a way therapists make services more accessible. A therapist may offer a lower fee per session for a certain amount of time in order to provide services to clients that have financial barriers to accessing therapy. If you currently work with a therapist and are experiencing financial hardship, a therapist will often implement a sliding scale rate so your therapy treatment is not interrupted. Associate therapists often also provide sliding scale services because they are still in training to become a licensed provider. Therapy directories like Open Path Collective also provide a list of providers who offer sliding scale services.

Community Based Agencies

Due to the type of work therapists do, there is an abundance of non-profits and community based agencies that provide mental health services to various degrees. Often times these agencies partner with local schools, universities, or county governments to provide specific types of services to the community. Services range from school-based services for students to agencies focused on specific types of diagnoses. These agencies do amazing work supporting local communities and making mental health treatment more accessible.

Ideally, the cost of therapy would not be a barrier to treatment. When considering whether to seek out therapy services consider the benefits that you are getting from that experience. The improvement in your overall health & wellness is hard to put a price on. Making some adjustments to your budget temporarily to gain the tools and peace of mind needed to show up in your life as your best self may just be worth it.

If you are hoping to start therapy services and are a California resident feel free to schedule a free consultation here.

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Top 3 Blogs of 2021 at Simplee Therapy

2021 has been a doozy of a year, and who knows what 2022 has in store. One thing is for certain though, we have all taken a look at how we can improve our mental health and relationships. Simplee Therapy has always been a space about making therapy simple and providing relatable information on how to improve ourselves and the relationships we keep. Check out the top three posts this year to reflect on some of the things we have learned!

concerned black couple sitting on bed in misunderstanding

Coming Together for Interracial Couples

2021 has been a hard year for a lot of couples. Navigating financial strains, health issues, loss of family, working from home, then toss in racial injustice on top of all of that, and some new questions and values may have been surfaced throughout the past 24 months. Take a look back on some important topics to be addressed in an interracial relationship.

Engagement Anxiety

Although 2021 had its not so great moments, there were also plenty of beautiful expressions of love. Realizing you want to spend the rest of your life with someone is a momentous occasion. Excitement may be the initial feeling for many, but anxiety can also show up for those approaching happily ever after. Take a look back on how to cope with a wedding pending.

You’ve Decided to Go to Therapy: 3 Questions to Ask Yourself Before Scheduling Your First Appointment

So many individuals made 2021 the year to start their mental health journey, and what an important step that is! Maybe you were still on the fence about starting down that path of introspection, and that’s okay. Check out the three questions to help you start navigating your mental health journey with intention and openness to the process.

Take a look back and see what will be helpful on your therapy journey. Starting a new mental health journey? Check out the Healing Journal to track your therapy progress!

peace, love, happiness, Lee
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What is a “No Secrets” Policy?

Understanding Therapy Consent Forms

The first step in starting therapy is always looking over and signing a consent form about the treatment you will be receiving. By nature, most people skim over these documents and go right to the signature line, but do you really know what you are signing off on? These treatment agreements outline how therapy can help, what to expect about your confidentiality, your fee for services, and so much more. Today, I want to focus on the “No Secrets” policy that is often included in consents for couples or family therapy services.

woman in green top whispering to a man in a gray tank top

Who does a “No Secrets” policy apply to?

This policy is in place for couples or families participating in therapy together. If you are in individual therapy, this policy most likely wouldn’t affect your treatment. However, if you are entering into therapy with someone else to work on a relationship, this policy may be in place.

What is a “No Secrets” Policy?

This terminology is used by therapists to describe a unique policy in place for couples & family services. It is intended to prevent information important to a relationship from being hidden from either party participating in services. It comes from the understanding that when a couple or family are participating in services the “relationship” is the client, not one or the other participants. So in order to uphold what is best for the “relationship” the therapist will not hold secrets for one or the other participants.

Where would I find information about a “No Secrets” policy?

Now this is one of those questions where “it depends” is the only answer. Personally, I include this policy in my informed consents because I want clients to be well informed about this aspect of therapy prior to starting services. However, every therapist has differing ideas on how or when to tell a client about a “no secrets” policy. Some only verbally inform their clients of this policy once they enter into therapy, some will post this policy online or in their office without actually including it on a consent form. While other therapists may not utilize this policy at all, and are open to keeping certain “secrets” a secret.

When would a “No Secrets” policy be implemented?

The policy only gets implemented when something pertinent to the relationship (or detrimental to the relationship) is shared with the therapist by one participant in treatment, but not the other participant. For example, therapists may separate a couple for two individual sessions to assess for certain dynamics within the relationship. If one spouse discloses that they are having an affair in this individual session a therapist may invoke the “no secrets” policy because the information shared would be detrimental to the treatment if not shared with both parties of the relationship.

Why would a therapist have a “No Secrets” policy?

Ultimately, it is to keep the therapy space an open and honest one. When two people consent to participating in therapy treatment it has to be a space where they can both trust the therapist. If the therapist is holding a secret from one participant, it can become a breech of trust not only between the partners, but in the therapeutic relationship as well. Rapport and trust is the foundation of any therapy relationship, so upholding these things are of the utmost importance.

Understanding the consent forms is an important first step in starting the therapy process. Check out my understanding therapy consents series by reading more of the blog here. If you are interested in starting couples therapy reach out for an initial consultation here.

peace, love, happiness, Lee

Prenatal Couples Therapy

Learning to Communicate with a Baby on the Way

I am a big believer in preventative measures when it comes to your physical and mental health. Many women plan and prep their bodies for a potential pregnancy through exercise, healthy eating, Ob/Gyn appointments, and taking prenatal vitamins… but how many prepare their minds and relationship for the transition into parenthood by going to couples therapy?

Prenatal therapy is a term I came up with to describe the importance of establishing healthy communication and mental health prior to a pregnancy or birth. Lots of focus is put on the mother during a pregnancy, but we often forget that although things are changing for mom-to-be they are also changing for the relationship.

Black couple holding newborn in living room of home

Bringing a baby into the world means bringing another person into your family dynamic. For many relationships there is a drastic shift (whether it is baby number one or two or three) in the relationship as attention is split between more people. Partners have all sorts of feelings as well, when it comes to a pregnancy, and many times we forget that they are going through changes too.

One of the things I remember most about my own pregnancy with my first born, was how my husband voiced that he felt left out of so many things. While he was at work, I was at home putting a nursery together and going to doctor’s appointments, but it never crossed my mind that he wanted to participate in these things. We had a thorough & productive conversation (we’re both therapists so this isn’t uncommon for us) that led to a whole afternoon together building a crib and celebrating the new baby, and he began attending every doctor’s appointment (even though the doctor’s were surprised to see him…every time).

This is just an example of how communication is so important around this life transition. Once baby is here it is harder to find quiet time to have in-depth conversations, and communication often takes a turn for the worst. Attending prenatal couples therapy allows time to think about this shift as a team and discuss some major ideas that may not have been relevant up until this point.

Some of the topics often looked over prior to having a bun in the oven:

  • Will household duties be distributed differently (especially during postpartum recovery)? What will it look like once maternity/paternity leave is over?
  • Are visits with family welcome? Who is high on the “frequent flyer” list (grandparents, uncles/aunts/cousins, friends, etc.)?
  • What family/cultural traditions will be practiced? How about holidays/birthdays/vacations?
  • What parenting/discipline style do you expect to use? What was your experience like with your own parents?
  • How will you communicate your unique needs? Will you need “me time”?
  • What will “couple time” look like? Date nights? Childcare?
  • What are expectations around physical and emotional intimacy (especially during postpartum)?

This is just the tip of the iceberg. So many decisions will be first time decisions, and first time discussions. Thinking about these things in a space that provides extra tools and insight to communicate effectively can be a lifelong gift to your relationship. Consider adding prenatal couples therapy to your “get done before the due date” to do list. It may be the key to a smooth transition from two to three.

peace, love, happiness, Lee

Identifying Solvable Problems in a Relationship

What’s the Difference between Solvable & Perpetual Problems?

Solvable vs. Perpetual Problems. What type of problem do you have in your relationship? Do these examples sound familiar?

So your spouse forgot about Valentine’s Day again? That is a problem for sure. Is it a deal-breaker though? You know that they are going to forget it because it happens every year, so you’re prepared for their sad attempt to make it up the weekend after with wilted roses and a dinner at your 2nd favorite restaurant. 

What if your partner doesn’t want to get married? That may be a deal-breaker. You may value the union that is marriage, while they never see themselves becoming tied down. That isn’t a problem that is solved very easily. 

concerned black couple sitting on bed in misunderstanding

Let’s clearly define what the difference between the two are…

  • Solvable Problems: aspects or behaviors of your partner that are difficult to handle, but tolerable. There are usually reachable solutions or compromises that can be made for these types of problems.
  • Perpetual Problems: values your partner holds that may be intolerable or in opposition to your own values or beliefs. Things that you may have to “bend” on in order to stay happy in your relationship. These types of problems will always be present in your relationship.

You may go into therapy knowing that there is a problem in your relationship, but you may not know whether it is a solvable or perpetual one. This is an important part of the therapeutic process. Realizing what type of problem you are working to solve will allow you to figure out with your therapist the steps necessary to either solve said problem or learn to live with it.

Using simple tools such as “I Statements”, “Repair Attempts”, or deep breathing can all be ways of approaching solvable problems. See the list below for some tips and tricks on how to handle solvable problems in your relationship.

5 ways to approach solvable problems

If any of these approaches do not seem like enough when it comes to a problem between yourself and your partner, you may have a perpetual problem. This problem is most likely best suited for therapy. Going to couples therapy can be a great place for solvable or perpetual problems because it allows for a neutral space to practice the skills necessary to manage the problem at hand. Going into therapy with an open mind and open heart can be the defining factor in whether solutions are found.

What solvable or perpetual problems have you been able to manage in the past?

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