Any way to get insurance company to help pay for my OON therapist? Wisconsin ETF HDHP that does not cover OON services…
I left my job over the summer and went on my husband's insurance, which is a HDHP with Common Ground Healthcare Cooperative through Wisconsin ETF. My summary of benefits indicates they do not cover out of network mental health services, while the in-network rate is $15 copay/visit after deductible. Sadly, my therapist is OON only.
Are there any options to get my insurance to help pay for me to continue seeing my current therapist?? Some sort of reimbursement, single-case agreement, prior authorization, etc?
Background on me/my therapist:
I have been with the same therapist for 3.5 years- she moved out of state but we've continued working together virtually. Changing therapists is not an option- even she has said that she believes termination or referring me out would be detrimental to my mental health at this time (I have major attachment and abandonment issues). I also have autism, ADHD, persistent depressive disorder, and anxiety. It's taken years for me to open up to her and to make actual progress. Unfortunately, I can't afford her weekly sessions completely out of pocket. She is a phenomenal, highly trained PhD level psychologist and her rates reflect that.
I would appreciate literally any kind of advice. TYIA!!
ETA: 26f located in 53129.
submitted by /u/Brittystrayslow
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