Blog Posts & Videos
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Designated Worry Time
One Simple Trick to Combat Anxious Thoughts
Out-of-Network Insurance Reimbursement & Therapy
Have you ever wanted to see a specific therapist just to find out that they aren’t contracted with your insurance plan? You may actually be able to get reimbursed if you have out of network benefits.
*contact your insurance company to find out whether you have out of network coverage. You will likely pay less for therapy if you choose an in network provider, but if there’s a specific provider who you feel might be a good fit for you who doesn’t accept your plan, it may be worth it to look into out of network reimbursement.
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Navigating Out-of-Network Insurance Reimbursement in Therapy
Seeking therapy is an investment in one's mental well-being, and for those with out-of-network insurance coverage, understanding the reimbursement process is essential. While out-of-network services don't have the direct billing convenience of in-network options, they offer flexibility and choice. Here's a brief overview of how out-of-network insurance reimbursement works in therapy:
Selecting a Therapist:
When choosing an out-of-network therapist, individuals have the advantage of selecting a professional who resonates with their needs and preferences, regardless of network constraints.
Payment at the Time of Service:
With out-of-network services, clients often pay the therapist's fee directly at the time of the session. Many therapists accept various payment methods, such as credit cards or checks.
Issuing an Invoice:
After the session, the therapist provides the client with an invoice, often referred to as a "superbill." This document contains crucial information required for insurance reimbursement, including session dates, service codes, diagnosis, and provider information.
Submitting to Insurance:
The client submits the superbill to their insurance company for reimbursement. This process varies depending on the insurer. Some companies offer online submission, while others require mailing.
Reimbursement Amount:
The reimbursement amount depends on the insurance plan. Typically, it's a percentage of the therapist's fee after deductibles have been met. It's crucial to review the insurance policy to understand the reimbursement percentage and any limits.
Timeline and Process:
The timeline for reimbursement varies, and clients may need to wait a few weeks to receive payment. Some insurers may also require additional documentation or clarification from the therapist.
Out-of-Pocket Costs:
Clients should be aware of their out-of-pocket costs, including the therapist's fee and any deductible amounts. Keeping track of expenses is important for budgeting and managing insurance claims.
Communication with the Therapist:
Maintaining open communication with the therapist throughout the process is beneficial. They can provide guidance on preparing the superbill, answer questions, and offer any necessary assistance.
While navigating out-of-network insurance reimbursement might require more effort on the client's part, the ability to choose the therapist who aligns with their needs can outweigh the administrative aspects. It's advisable to contact the insurance company to understand their specific reimbursement procedures and coverage details.
As individuals prioritize their mental health, understanding the ins and outs of out-of-network insurance reimbursement empowers them to make informed decisions about therapy and financial matters.
The Transformative Power of Trauma-Informed Counseling After Sexual Assault
The aftermath of sexual assault leaves survivors grappling with profound emotional and psychological challenges. During this critical period, seeking professional support becomes paramount for healing and recovery. Trauma-informed counseling plays a pivotal role in providing survivors with the tailored care and understanding they need to navigate the path to healing and resilience.
Understanding Trauma-Informed Counseling:
Trauma-informed counseling is a specialized therapeutic approach that acknowledges the deep impact of trauma on survivors' well-being. Its primary focus is to create a secure, empowering, and empathetic space where survivors can share their experiences, process their emotions, and work through the complexities that follow sexual assault. Each survivor's journey is unique, and trauma-informed counseling recognizes this diversity, offering personalized guidance on the path to healing.
Key Elements of Trauma-Informed Counseling:
Safety and Trust: Establishing a safe and trusting environment is paramount in trauma-informed counseling. Survivors need assurance that their emotions and experiences will be treated with respect and confidentiality.
Empowerment through Meaning: Trauma-informed counseling helps survivors find meaning in the aftermath of unimaginably horrendous events. This process of deriving purpose from adversity can foster resilience and aid in their survival journey.
Coping Strategies: Survivors are equipped with effective coping strategies to manage triggers and emotional responses. Learning these tools empowers them to regain a sense of control over their emotions.
Narrative Empowerment: Taking charge of one's narrative is a crucial aspect of healing. Trauma-informed counseling emphasizes that survivors have the power to shape their own stories and determine their path forward.
Recognizing Resilience: Trauma-informed counseling spotlights survivors' innate resilience, encouraging them to draw strength from within and tap into their ability to endure and overcome.
Benefits of Trauma-Informed Counseling:
Reduces Re-Traumatization: Trauma-informed counselors are trained to minimize the risk of re-traumatization, ensuring that the counseling process is not retraumatizing and promotes healing.
Empowers Coping Skills: Survivors learn healthy coping mechanisms to manage triggers, anxiety, and other emotional responses triggered by the trauma.
Restores Self-Esteem: Trauma-informed counseling aims to rebuild survivors' self-esteem and self-worth, which may have been eroded by the assault.
Promotes Resilience: By recognizing and fostering survivors' innate resilience, trauma-informed counseling helps them regain a sense of control and strength.
Healing after sexual assault is a profound and challenging journey. Trauma-informed counseling provides survivors with the specialized care they need to rebuild their lives and move forward. By creating a safe, empowering, and respectful environment, trauma-informed counselors facilitate the process of healing, offering survivors the tools to reclaim their lives and rewrite their narratives. If you or someone you know is a survivor of sexual assault, seeking trauma-informed counseling can be a crucial step towards regaining a sense of well-being and empowerment.
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Emotional Abuse in Romantic Relationships
When most of us think of abuse, our minds gravitate towards physical domestic violence. We think of a physically dominant abuser (usually a man, but not always) towering over a terrified woman and assailing her with his raised fists. We think of a person so unable to control his anger that the most trivial perceived slight unleashes an onslaught of physical fury. There is another less obvious form of abuse that can be equally as damaging though - emotional abuse. Emotional abuse tends to be insidious in nature. Unlike physical abuse, emotional abuse operates in subtle ways, making it difficult for victims to identify. Unfortunately, this often leads to invalidation from friends and family members who lack knowledge about the dynamics of emotionally abusive relationships.
Nearly half of all people will experience some form of emotional abuse in a romantic relationship at some point in their lives. Psychological abuse is a very strong predictor of PTSD-like symptoms in women. Approximately 70% of women who endure emotional abuse in a romantic relationship subsequently develop symptoms of PTSD.
Emotional/psychological abuse comes in many different forms. Here are a few of them.
Gaslighting - This a is a common buzzword right now, but you may not know exactly what it looks/sounds like. Gaslighting involves an abuser denying a victim’s perception of reality in order to destabilize them psychologically. It can have devastating effects on a person’s self-esteem and ability to trust their instincts. Gaslighting can look like an outright denial of events, deliberate confusion tactics, invalidation/minimization of a victim’s feelings, concerns, and thoughts, or deliberately shifting focus onto a different topic that portrays the victim as being in the wrong.
Blackmailing - Abusers may resort to threatening to expose private information to employers, friends, or family members as a means of control, jeopardizing the victim's livelihood and reputation.
Using Children as Leverage - This particularly cruel form of psychological warfare is commonly employed by abusers who are high in narcissistic or sociopathic traits. These abusers may attempt to take custody from the victim or attempt to turn children against her.
Economic Abuse - This form of abuse involves denying a victim access to money, preventing her from obtaining a job, or relentlessly monitoring her spending habits.
Harsh Criticism - An abuser may attempt to control a victim by undermining her self-esteem. This can come in overt forms like name-calling, swearing, or mocking the victim. It can also be much more subtle. The abuser may try to pass his criticism off as love by saying things like, “I am only telling you this because I love you,” or “I’m the only person who loves you enough to tell you the truth.” He might insult the victim’s weight, physical appearance, or intelligence.
Anger as Control - An abuser may use disapproval and simmering rage as a means to control his victim. A victim might experience this type of abuse as a quiet tension that builds up or is used against them when they do not comply with the abuser’s demands.
Dangling the Carrot - This involves a promise of kindness or favor that is always out of reach. It sounds like, “I would be willing to marry you if you were better in xyz way,” or “If you would just behave better, you could have the old me back!” Abusers typically love-bomb their victims at the beginning of the relationship, so that manufactured, idyllic romantic phase is often held out as something just out of the victim’s reach. The important thing to remember with this kind of abuse is that the goal post will always keep moving. This is by design. Abusers use this to degrade a victim’s self-esteem and keep her trapped in a never ending cycle of working for affection.
Isolation - Abusers will often attempt to isolate their victims from family members and other loved ones. This may look like excessive jealousy, triangulation, or deliberately causing tension with important others in the victim’s life. The abuser may also bombard the victim with texts/calls while she is out with friends in order to create anxiety anytime she chooses to spend time with another person.
Giving the Cold Shoulder - The abuser may give the silent treatment, disappear from contact for days at a time, or behave in other ways that feel passive-aggressive.
If you or someone you know are experiencing emotional abuse, help is available. Working with a counselor knowledgeable about abuse, dark triad traits, and trauma recovery can help you to heal from abuse and move forward. If you are in immediate danger, you can reach out 24/7 to the following resources:
First Step - Wayne County, MI
Haven - Oakland County Michigan
National Domestic Violence Hotline
*The use of male or female pronouns in this article is not meant to stigmatize a certain group or over-generalize. It is simply for the sake of simplicity since women are the victims in 85-95% of reported cases of domestic violence. Men and non-binary individuals can also be victims of abuse. Abusers, likewise, can be male, female, or non-binary.
Written by: Jessica Payne, MA, LPC, CCTP
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