psychiatrist no longer accepting insurance

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Regular Member

Date Joined Feb 2006
Total Posts : 105
   Posted 7/15/2007 9:21 PM (GMT -7)   
So, the people in the UK probably don't have to worry about this as their health insurance system is different. I am in the US and everyone has to buy private insurance. Anyway, I got a letter from my doctor saying that in a few months he will no longer be accepting insurance. He could provide a bill for you to submitt to insurance on your own and hope to get reinbursed. He claims the overhead cost of processing insurance is too expensive for a private practice. Then he said he didn't want to join a major group as they would not allow him to spend as much time with his clients. Many clinics have the pdocs see 4-6 pts an hour, and right now for med checks he only sees 3 patients. Then he also is available for hour long psychotherapy appointments as well if you want.

I am not sure what I want to do. I really like the doctor I have, and have been seeing him for four years. I like that I can schedule an hour long therapy appiontment when I see him. The times I have needed to call him he has responded promptly and been available for an appointment. It is hard to find a psychiatrist that does therapy in addition to med checks. Plus I don't feel like going pdoc shopping. It is hard to find a good psychiatrist in this area, and there is a big shortage. I really can't tell if I will like a psychiatrist I have an appointment with them. I really don't want to make a bunch of appointments until I find someone I like. I am almost just considering paying out of my pocket. Right now I see this pdoc about 3-4 times a year. I just got really good paying job so at this point I could afford it. Since I had a string of really horrible psychiatrists before I saw this one, I think it might almost be worth it.

Regular Member

Date Joined Jul 2007
Total Posts : 22
   Posted 7/16/2007 12:22 AM (GMT -7)   
Hi Jade11,

I have a great doctor who has been there for me for a long time too. I believe that if you can afford it keep the pdoc. I switched once and it was very tiring trying to establish good relations... and shopping around made me depressed so I went back to my (bit more) expensive but closer doc.

Hope all is well with you...
respectfully urs

Bipolar Type 1
Social anxiety/agoraphobia
100mg Lamictal 3 times daily
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Veteran Member

Date Joined May 2007
Total Posts : 3715
   Posted 7/16/2007 5:32 AM (GMT -7)   
Hi Jade,

Does your insurance allow you to submit forms from doctors outside of the network at a lower rate of reimbursement? They might. You'll probably have to pay more out of pocket, but if you really like your doc, it would be worth it.


Ellie 1
Veteran Member

Date Joined Apr 2005
Total Posts : 1291
   Posted 7/16/2007 5:46 AM (GMT -7)   
I'd call the ins. company. Sometimes they'll work with you, but if you can afford it I'd stick with him reguardless. I hate changing drs. too. I'm currently seeing mine every few weeks, and I can't imagine having to break in a new doc.
Good judgement comes from experience and alot of that comes from bad judgement.
You just have to accept that some days you're the pigeon, and some days you're the statue. 

Regular Member

Date Joined May 2007
Total Posts : 178
   Posted 7/16/2007 9:03 AM (GMT -7)   
i agree with everyone else. if you like him stick with him. just submit the claim to your ins and maybe you'll at lease get some of you money back. but i wouldnt want to try to find another one. not if i like this one and was comfortable with them. its too hard to find a good one sometimes. so your lucky to have a good one. and i if it were me i would stay.
I have bipolar disorder, panic attacks w/agoraphobia, social anxiety, diabetes, asthma, and high blood pressure.
~ Life is short but I am not. ~

Regular Member

Date Joined Feb 2006
Total Posts : 105
   Posted 7/18/2007 7:50 PM (GMT -7)   
I just switched jobs so I am not exactly sure about what the insurance covers. However I believe for out of networks you pay the regular co-pay. Plus you have to pay an additional 30%, because the insurance will only cover 70% for out of networks. This really is not that bad. The doctor's office will no longer process insurance. So I will have to pay up front and hope to get reimbursed. The office can provide a "super bill" that I can submit to the insurance company on my own for reinbursement. I don't think it matters to the insurance that I am submitting the information and not the clinic. This is somewhat more of a hassle than before. However, I do think it is worth sticking with this doctor.

olivia of course
Veteran Member

Date Joined Jul 2006
Total Posts : 1523
   Posted 7/18/2007 8:14 PM (GMT -7)   

Your situation has done a 180, wow it changed a lot from earlier. I would contact your insurance company and find out how much you would have to pay to keep seeing your dr.

Best wishes.

~~~  Olivia  ~~~
Moderator, Bipolar

Bipolar 1,  PTSD,  Anxiety/Panic Disorder
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