Each year, in the United States, millions of dollars are spent on psychotherapy. For many patients, the benefits of therapy far outweigh the financial cost associated with it, even when health insurance fails to cover, fully, the cost of mental health services.
However, there are situations when the cost of psychotherapy can place a significant strain upon the finances of the mental health sufferer. Such financial strain often leaves both the patient, as well as the therapist, in a quandary as to how to handle the continued need for therapy in light of the depleting financial resources.
This conflict within the psychotherapy community is a growing issue. As a patient who is in need of mental health services, often, the cost of the service, when no longer covered by any insurance plan, can result in cessation of care. Because the care is crucial to the overall well being of the patient, mental health professionals and therapists, across the country, find they are commonly negotiating payment arrangements, including fee reductions, in order to keep the patients in their care.
Even still, there are a growing number of American adults who simply leave therapy based on the fee issues and associated complications with financial resources. If you are in this situation, it is important to assess your personal resources and make every effort to continue in therapy, if needed for mental health purposes, even if this means rearranging your other personal financial budgeting to accommodate the therapist’s fees.
Leaving therapy based on financial issues is never a wise decision. As a psychotherapy patient, it is important to understand that, while a “cure” may never be reached, therapy does assist you in your path to find ways in which to cope with the issues that brought you into psychotherapy in the first place. For this reason, leaving psychotherapy must be a decision that is weighed carefully.
In contrast, leaving therapy may actually prove beneficial to some mental health patients as it provides a way to release from the dependency of therapy that may work to inhibit your ability to make mature, adult-like decisions on your own. In fact, many patients use financial distress as a reason to make this decision and find the decision to reduce or eliminate therapy often results in an improved mental health condition.
As with any health condition, finding the right health provider is key to obtaining optimal health outcomes, including conditions involving mental health. For this reason, when beginning a psychotherapy program, discuss, openly, your plans for therapy in terms of longevity and the financial resources you plan to use for therapy. With this open and honest communication, many individuals find they establish a better relationship with the therapist without dealing with the burden of financial discussions when mental health is the focus of care.