“The most important factor to know before choosing a therapist, online or otherwise, is fit, both in terms of personality and their approach to treatment,” says Aaron Weiner, PhD, a licensed, board-certified psychologist and master addiction counselor in Chicago. Some aspects of online therapy and in-person therapy are universal. In case of an emergency or plans to harm yourself or others, call 911. Individuals with severe mental health issues like mania, psychosis, and traumatic stress response may consider consulting with a professional before engaging in online therapy, since telehealth for people in distress can be challenging, according to an article published in January 2020 in the Journal of Psychotherapy Integration. In addition, online therapy is not for individuals who have thoughts of hurting themselves or others, as they need immediate professional care. On the other hand, if you prefer discussing issues in person or don’t have a strong internet connection, online therapy might not be right for you. Online therapy is best for those who are comfortable using technology to communicate and who are potentially willing to pay out of pocket. Additionally, your local NAMI affiliate may be able to connect you with housing resources and support. The National Alliance on Mental Illness (NAMI) also offers various resources for those who are having trouble affording therapy, such as a list of prescription assistance programs for psychiatric medications. Many online therapy platforms offer a free trial of their services or a monthly subscription plan that may save you money. They may offer an employee assistance program that covers some visits with an online therapy provider. If your insurance doesn’t cover online therapy, check with your employer. If your plan does cover online therapy, the platform you’re interested in will usually indicate on its website whether it accepts Medicaid. Is There Online Therapy That Takes Medicaid?ĭifferent states have different rules about covering online therapy under Medicaid, so you need to check your state’s Medicaid plan to see if you can get online therapy with Medicaid. To see if an online counseling platform accepts Medicare, check its website or reach out to customer service. Medicare Part B will cover online therapy and charge the same for it as in-person therapy. Under the Coronavirus Preparedness and Response Supplemental Appropriations Act, Medicare plans are required to include online therapy. Is Online Counseling Covered by Medicare? If your health insurance provider isn’t listed, you can call the number on the back of your insurance card or look on your insurance website to see whether they cover online therapy and from which providers. Most online therapy providers indicate on their site what forms of insurance they take.
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