Polyamory.com Forum  

Go Back   Polyamory.com Forum > Polyamory > General Poly Discussions

Notices

Reply
 
Thread Tools Display Modes
  #1  
Old 11-24-2010, 08:13 PM
Erin's Avatar
Erin Erin is offline
Member
 
Join Date: Nov 2010
Location: Chi-town baby!
Posts: 92
Default Family Therapy (Marriage Counseling) Dropped from Insurance!

Has anyone else sought after Marriage Counseling (termed Family Therapy for insurance coverage) but been unable to because their insurance company doesn't really cover it?

I learned today that BOTH of our insurance companies won't support my interest in seeking family therapy (to prevent The Big D). One plan dropped 'counseling' altogether, and the other will pay 60% for 30 days IF my deductible is met AND if I've been clinically diagnosed as having a disorder such as depression!!!

This means I'd have to be diagnosed with a disorder to get 60% covered, but then I'd have to be "cured" in under 30 days. What has this world come to?!

This leaves me to reading books and writing on this forum. My husband refuses to accept my open-marriage requests, but I also don't want divorce. What have you done to find comfort during your tough times?
Reply With Quote
  #2  
Old 11-24-2010, 09:27 PM
LovingRadiance's Avatar
LovingRadiance LovingRadiance is offline
Moderator
 
Join Date: Sep 2009
Location: Alaska
Posts: 5,093
Default

YEP!
We hvae the same issue.
We actually found a counselor who would do it and bill it as therapy and treatment for my ADD. But it's a REAL crock of shit.
__________________
"Love As Thou Wilt"
Reply With Quote
  #3  
Old 11-24-2010, 11:14 PM
SNeacail's Avatar
SNeacail SNeacail is offline
Senior Member
 
Join Date: Aug 2010
Location: Near Disneyland
Posts: 1,532
Default

None of our insurance over the past 18 years has covered marriage counceling. I don't know of anyone, at least here in CA, that has ever had their insurance cover it. ADD/ADHD is covered, not quite sure for how long. General rule of thumb with insurance, the more you pay monthly to the insurance co, the more they will cover. Our councelor charges $90/visit and we were going every week for a while. I have cut us back to once a month just because of the cost.
Reply With Quote
  #4  
Old 11-24-2010, 11:19 PM
FlameKat's Avatar
FlameKat FlameKat is offline
Senior Member
 
Join Date: Oct 2010
Location: :P Cautiously looking around this new world that seems to fit...
Posts: 311
Default

In Australia most private health insurance will cover a psychologist for 9 visits per year (give or take)... marriage counselling is free through government sponsored organisations and mandatory when divorce is filed and children are involved.
__________________
Smile! It makes people wonder what you've been up to

Engaged to my sweetheart, WaterWolf

my blog (non-poly) Pearls & Pixiedust


Reply With Quote
  #5  
Old 11-25-2010, 02:34 AM
MyNameIsMaam MyNameIsMaam is offline
Member
 
Join Date: Sep 2010
Location: AZ
Posts: 46
Default

My company offers 5 visits annually per family member per issue - but it's not done through the insurance company. Sadly, I have never heard of an insurance company covering marital counseling.
Reply With Quote
  #6  
Old 11-26-2010, 02:55 AM
nycindie's Avatar
nycindie nycindie is offline
Moderator
 
Join Date: Nov 2010
Location: The Big Apple
Posts: 7,109
Default

I think it's rather odd that therapy isn't covered. I guess I've got a good plan with mental health benefits, I don't even think I have to specify what kind of therapy I'm undergoing; therapy is therapy, whether for marriage problems or depression or what-have-you.

That being said, sometimes you can find low-cost or free counseling through community groups or churches. I don't necessarily think you have to look only for marriage therapy per se - as long as whatever counselor you work with has experience with relationships. Lots of pastors do counseling, and there are some forward thinking ones - perhaps look for Unitarian or Reformed churches. Google your area for women's groups, too. Maybe you can meet someone who knows a resource. You can also see if there are any programs run by your town or county. All the best to you!
__________________
The world opens up... when you do.

Oh, oh, can't you see? Love is the drug for me. ~Bryan Ferry
"Love is that condition in which another person's happiness is essential to your own." ~Robert Heinlein
Reply With Quote
  #7  
Old 11-26-2010, 03:34 AM
Erin's Avatar
Erin Erin is offline
Member
 
Join Date: Nov 2010
Location: Chi-town baby!
Posts: 92
Wink

Well, I discussed this marriage counseling idea with him last night. Regardless of the out of pocket price, he doesnt want to go but he deeply wants to work this out with me. He admitted to marital neglect and will pay better attention to my needs so that I not only stay in this marriage but also remain monogamous for him. He loves me dearly and really is a good person - he has just neglected (and ignored) my sexual needs for too many years. I bought the book, "Getting Back Together: How to Reconcile with Your Partner - and Make It Last" by Young and Goetz. It is a temporary solution to move forward. I bought that for us. However, I also secretely bought, "The Ethical Slut," by Easton and Hardy for me ::snickering::
Reply With Quote
  #8  
Old 11-26-2010, 03:35 AM
Erin's Avatar
Erin Erin is offline
Member
 
Join Date: Nov 2010
Location: Chi-town baby!
Posts: 92
Default

Quote:
Originally Posted by FlameKat View Post
In Australia most private health insurance will cover a psychologist for 9 visits per year (give or take)... marriage counselling is free through government sponsored organisations and mandatory when divorce is filed and children are involved.
I cant stand Illinois, so I might be moving to Australia...
Reply With Quote
  #9  
Old 11-27-2010, 08:10 AM
polynHR polynHR is offline
Member
 
Join Date: Nov 2010
Posts: 10
Default

Erin

I don't know if my insurance covers things like this, I will have to look into it. However, I do know that there should be some sort of solution that you company provides. Check with your HR department to see if there is a counselor on stand by for your company. Also there are other free avenues such as the church. Well I hope this helps, also don't go to Australia move to Colorado . I know my wife would like you.

Kelvin
Reply With Quote
  #10  
Old 11-27-2010, 10:34 AM
Erin's Avatar
Erin Erin is offline
Member
 
Join Date: Nov 2010
Location: Chi-town baby!
Posts: 92
Wink

Quote:
Originally Posted by polynHR View Post
Erin, don't go to Australia move to Colorado . I know my wife would like you. Kelvin
Do you suggest Colorado because of Manitou Springs? I have family out there and love love love that city!! I'd love to live the modern hippie lifestyle but IL and my profession wont allow for it. How come your wife would like me? Is it something I've said?

Did you have a good Thanksgiving? I did!
Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT. The time now is 07:14 PM.