Fees&Insurance

Fees

I would be glad to discuss my fees with you. I make every attempt to consider financial needs and to offer an affordable rate. I offer some sliding-scale fees as well.

Insurance

As a mental health practitioner for nearly two decades now, and as someone who has been an in-network provider for a number of managed health companies, I have had an intimate view of the intersection between insurance and mental health treatment. While using insurance for psychotherapy usually involves the client paying a modest copayment, I have found that there are quite a few disadvantages to using it. I’d like to share some of my observations and let prospective clients know that I am always willing to try to provide an affordable therapy.

Experience has repeatedly shown me that insurance companies have their shareholders’ bottom lines in mind and not the well-being of the client nor provider. Regardless of the years of experience a provider has nor advanced training, insurance companies refuse to adequately compensate providers (setting compensation far below professional rates). A chief disadvantage of using insurance is the intrusive nature of healthcare companies who may conduct reviews for the main purpose of limiting or denying coverage. Additionally, managed care is not set up for the purposes most people seek psychotherapy. Most people come to therapy to deal with what I call “problems of living”: relationship issues, work struggles, feeling dissatisfied with their lives. Managed care is set up on a medical model: there must be a diagnosis of a psychiatric disorder. And while people do seek treatment for such conditions, sometimes insurance companies even deny or limit that treatment.

Of course, we make investments in many things in life. I believe that psychotherapy represents the most important investment that a person can make: an investment in one’s own life. I usually advise people to check to see if they have an out-of-network benefit which provides reimbursement in a way that involves less intrusion from the insurance company.

I am currently an in-network provider for:
Aetna
Blue Cross/Blue Shield (where Blue Shield of CA manages behavioral health)

I am an out-of-network provider for all PPO plans with out-of-network benefits.

I would be glad to discuss further the possibility of working together.

Michael Korson, MFT (MFC38340)