Therapist Just Started Taking Insurance, Should I Use It

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I live in Maryland. I’ve got a high deductible healthcare plan with an HSA that I max, $3500 / $6500 deductible / out-of-pocket-max (double those for out of network).

I’ve been seeing a therapist for a while, and she just now started accepting health insurance. Previously, I’d been paying out of pocket with the intention of eventually reimbursing myself with my HSA. I’ve spent… about $2500-3000? on therapy so far, and a few hundred on other miscellaneous healthcare costs (all receipts saved to reimburse from HSA, eventually).

Should I start paying through insurance, or just keep paying out of pocket? Do the previous expenses from when she didn’t take insurance even count towards my deductible…? I’m guessing no. Aside from therapy, I’m a pretty healthy almost-30-something, with no chronic conditions, and doubt I’ve spent more than $500 per year on healthcare in the past couple years.

I do plan on starting to taper off therapy soon ($125/visit currently about 3 times a month), but also recently got a prescription for some off brand ambien (about $75/mo), that I plan to also try tapering off of in a few months, after some stressful life events (hopefully) go away. So, if all goes according to plan (it never does, does it?) my healthcare costs should be minimal again in a few months.

Note, to go through insurance she would have to provide a diagnosis code to my health insurance, which, for reasons, I’d rather avoid for the time being unless it is a really stupid financial move to not go through insurance.

submitted by /u/pirhanaconda
[link] [comments]
I live in Maryland. I’ve got a high deductible healthcare plan with an HSA that I max, $3500 / $6500 deductible / out-of-pocket-max (double those for out of network). ​ I’ve been seeing a therapist for a while, and she just now started accepting health insurance. Previously, I’d been paying out of pocket with the intention of eventually reimbursing myself with my HSA. I’ve spent… about $2500-3000? on therapy so far, and a few hundred on other miscellaneous healthcare costs (all receipts saved to reimburse from HSA, eventually). ​ Should I start paying through insurance, or just keep paying out of pocket? Do the previous expenses from when she didn’t take insurance even count towards my deductible…? I’m guessing no. Aside from therapy, I’m a pretty healthy almost-30-something, with no chronic conditions, and doubt I’ve spent more than $500 per year on healthcare in the past couple years. ​ I do plan on starting to taper off therapy soon ($125/visit currently about 3 times a month), but also recently got a prescription for some off brand ambien (about $75/mo), that I plan to also try tapering off of in a few months, after some stressful life events (hopefully) go away. So, if all goes according to plan (it never does, does it?) my healthcare costs should be minimal again in a few months. ​ Note, to go through insurance she would have to provide a diagnosis code to my health insurance, which, for reasons, I’d rather avoid for the time being unless it is a really stupid financial move to not go through insurance.
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