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canadian goose jacket Molly is a relational, psychodynamic psychotherapist in private practice in Berkeley, canada goose outlet mississauga CA. canada goose outlet black friday sale Molly works with adults and adolescents of all genders in approaching uncomfortable feelings, working through stuck patterns and creating room for joy canada goose outlet factory and desire. canadian goose jacket

canada goose uk outlet While I’m pleased to read NPR’s ongoing investigation into mental health access, therapists like myself face a lot more when considering taking insurance, including mental health stigma, private practice costs, canada goose outlet in usa assumptions about „helpers,“ and client/patient privacy and confidentiality. canada goose uk outlet

canada goose black friday sale Mental health stigma is alive and well, and plays a part in the insurance conversation. When patients use insurance, they reveal the fact that they are in therapy, as well as a mandatory diagnostic code, to a third party. The problem is, therapy doesn’t lend itself well to third party scrutiny. canada goose outlet boston Therapy canada goose parka uk is often like a dream, where strange thoughts and uncanny relationships between images and sensation arise. It’s a language that doesn’t really hold itself up to conscious, logical canada goose outlet washington dc assessment. Maybe you don’t actually want canada goose outlet in uk to kill your father and have sex with your mother (thanks, Oedipus), but your unconscious doesn’t know that. Therapy works because it helps you deeply get to know yourself and process your feelings in a safe environment. Worrying about your insurance company requesting your records and declaring your therapy „not medically necessary“ could pose a challenge to that canada goose outlet parka safety. canada goose black friday sale

canada goose In the fine print of your insurance policy, you might discover that your insurance company has the right to audit your canada goose outlet ottawa diagnosis, treatment plan, and progress notes to prevent canada goose outlet toronto factory fraud canada goose outlet los angeles and determine whether the treatment is medically necessary. canada goose discount uk But having a non clinician look into the deepest secrets of my patients feels like an unethical breach of patient confidentiality, and makes me uneasy. I’m not sure canada goose outlet las vegas I trust the auditor more than I trust myself and my clinical consultants to understand and care for my patients‘ needs. canada goose

Canada Goose Coats On Sale Additionally, since many people come to therapy to better their lives and relationships, it can be difficult to find a medical reason for the treatment. Yes, intervening when someone is suicidal is medically necessary, but what about everything leading up to and following the crisis? Some therapists are willing to juggle the risk to canada goose coats uk confidentiality with the need to make mental health care financially accessible. Canada Goose Coats On Sale

Canada Goose Online But there are two people in a therapeutic relationship (three, if you count managed care, or if you’re a relational psychoanalyst). Therapy canada goose jacket outlet sale must also be financially viable to the therapist. The truth is, someone has to pay us. Our profession is not a hobby. Up to six years of graduate school and 3,000 hours of mostly unpaid training is expensive. In private practice, therapists pay for office space, electricity, and furniture. We provide our own health insurance, disability, and retirement plans. Vacation and sick days don’t exist. There’s transportation, record keeping software, an accountant, business license, continuing education, personal therapy, and consultants to help with complex cases. And taxes, including the special „self employment tax“ that small business owners have to pay on top of regular taxes (usually about 15%). Canada Goose Online

Canada Goose online If I see on average 14 clients per week (many therapists, myself included, stay under 20 clients to provide competent care), I charge $100 for each hour (just for round numbers‘ sake, not my actual fee), and all those hours are paid, I’ll make $70,000 a year with two weeks vacation. Factoring in overhead, estimated at about $30,000 by Zynnyme, then self employment tax and income tax, that comes to about $23,000 canada goose kensington parka uk in take home pay. That’s 50% of median income for the SF Bay Area and qualifies me for canada goose outlet usa reduced income housing (rent or mortgage being anywhere from $2,000 $6,000 per month in the Bay Area). Canada Goose online

Canada Goose Outlet Finances are a huge consideration for canada goose outlet houston therapists wanting to take insurance. I wish I could share the contracted rate I was offered the last time I inquired, but I can’t. I’m not allowed to talk about what insurance companies actually pay, and therapists cannot unionize to advocate for better rates from insurance companies. That would violate the Sherman Act and the Cartwright Act. In fact, therapists are not even allowed to talk to each other about their fees. That could be interpreted as conspiring to monopolize. However, I can share that some rates I’ve been offered are less than half my fee, and not nearly enough to live on. In addition, insurance companies don’t pay for missed sessions, so the hypothetical income calculations above could end up being even lower. Canada Goose Outlet

canada goose coats on sale I know a few therapists who take insurance. They have to overbook their practices in order to meet their bottom line. They report feeling burnt out, tired, overextended, still don’t have enough for retirement or emergency savings, and struggle to take vacations. canada goose coats on sale

buy canada goose jacket The helping professions, indeed. buy canada goose jacket

Canada Goose Jackets But here’s the thing: Many of us want to take insurance. canada goose womens outlet We went into this profession to help everyone who needs it, not just those with financial means. I am hopeful for change with Hillary Clinton’s new bill attempting to expand Medicare and Medicaid. But since MFTs are barred from accepting Medicare, this proposed bill may still be paying lip service to a deeper problem. Canada Goose Jackets

https://www.canadagoose-jackets-online.com canada goose clearance sale I think about the patients I see who can’t afford much (if anything) out of pocket, canada goose outlet in toronto who are wrapped up in so much childhood trauma that they could benefit from multiple sessions per week. One third of canada goose outlet us my practice is sliding scale or pro bono, and the rate I charge factors for that. But I wish I could work with anyone whose need fits my skills, regardless of their financial means. I wish I could accept insurance without feeling like I was compromising the integrity of my practice, or feeling resentful about rates so low that I couldn’t pay back my canada goose shop uk debts or take care of myself canada goose outlet seattle and my family. canada goose clearance sale

canada goose coats These are heavy things to consider as a private practitioner. I constantly support my patients in developing healthy boundaries and increasing abundance and self esteem. What kind of therapist would I be if I could not do the same canada goose outlet online store for myself? Unfortunately, for many of us, accepting insurance would make our own survival impossible. Until something changes, canada goose outlet store near me we are caught in a conundrum: able to help some, but not all, who need our care canada goose coats.

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