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Which Type Of Therapy Is The Most Cost-Effective?

Which Type Of Therapy Is The Most Cost-Effective?

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Approximately one in five adults in the United States is living with some sort of mental illness and  yet, the stigma around mental health treatment persists. A lack of accessibility, affordability and education means that many people never get the help they need. While we have a lot of work to do, the tides are slowly turning. Individuals who need therapy have more options than ever before! So, what type of therapy is the most cost-effective? Let’s explore!

In-person vs. online therapy 

If an individual is looking for cost-effective therapy, start here. There are two options  we will explore: traditional, in-person therapy and online therapy, or teletherapy.

Not so long ago, the only option to receive therapy services was to schedule an appointment with a mental health professional at their  office. While this is still important for more severe mental illnesses that need face-to-face treatment, online therapy has emerged as a powerful alternative.

woman on teletherapy call

Online therapy often excels in that it can be  more convenient and accessible. All you need is a stable internet connection and your device (a smartphone, computer, or tablet). Teletherapy has removed a lot of the barriers that come with in-person therapy, which is one reason why online therapy is also often more affordable. For instance, Cerebral offers different monthly subscriptions based on your needs and budget, starting as low as $30 per month for your first month. When partaking in teletherapy, you  don’t need to worry about gas money, arranging childcare or any of the other expenses or logistics that come with traditional therapy. When thought of from this perspective, online therapy may be  more cost-effective. That’s especially the case when you consider that traditional therapy is often $100 to $200 per session.

As an added bonus, online therapy gives clients a bigger network of mental health professionals. They’re not limited by the distance they’re willing to drive.

It’s  a matter of affordability and  accessibility. In order for mental health treatment to work, individuals need to be matched with the right therapist for them, which  isn’t always easy to find in person. That’s  where teletherapy may be beneficial.

What about the cost of medication?

Obtaining medication, which a licensed medical professional has deemed necessary, shouldn’t require jumping through hoops.  Even with insurance, getting medication may  be costly and time-consuming.  Oftentimes these barriers may prevent a person from needed treatment.

frustrated woman

But online treatment options  can make it more seamless. For instance, if someone is receiving mental health treatment with Cerebral, they have the option to participate in prescription delivery service, which studies show increases medication compliance. . Regardless of what the medication is, the goal is to make treatment more convenient with fewer roadblocks.

Importantly, for many of our self-pay clients, medications may cost as little as $10 out of pocket when delivered. In addition,  the cost  of delivery is already included in some of our plans. A lack of funds should never be a reason why someone doesn’t get the treatment and medication they need.

What different therapy modalities are there?

Beyond the decision between in-person and online therapy, there are also different types of therapy one can receive. One of the most common is cognitive behavioral therapy (CBT). This modality focuses on an individual’s thoughts and behaviors to reduce dysfunctional thinking and improve day-to-day habits. Mental health professionals often use CBT to address bipolar disorder, anxiety, depression and substance use disorders. Because it can treat a wide range of conditions, CBT is a cost-effective approach to improving mental health with an  excellent success rate.

Man looking out window thinking

Solution-Focused Brief Therapy (SFBT) is also another common therapy modality. The focus is on finding solutions in the present moment and looking toward the future to help an individual better solve their problems. With this modality, the assumption is that the individual knows what to do and just needs a little coaching and guidance. SFBT can be beneficial for many mental health diagnoses.  Since the  emphasis is  problem-solving, it can be an effective way to manage one’s mental health and create long term solutions.

Strength-based therapy is a form of positive psychotherapy/counseling. It focuses on the individual’s positive attributes rather than their “weaknesses.” People with low self-esteem, or anyone dealing with the ramifications of an abusive relationship, may  benefit from strength-based therapy.

These few therapy modalities only scratch the surface. There are many others, including but not limited to:

  • Existential therapy
  • Integrative therapy
  • Psychoanalytic therapy
  • Grief therapy
  • Reality therapy

Cerebral offers a range of therapy modalities. Regardless of the type , one of our goals is to give individuals the tools and resources they need to have healthier thought and behavior patterns, ultimately increasing their quality of life. We aren’t looking to only help you in the moment, but  to set you up for a brighter future.

Mental health treatment is improving

It’s taken our society a long time to get here, but better days are ahead. Mental illness is still deeply and unfairly stigmatized but Cerebral is on a mission to change the landscape. We aim to remove the hurdles between people and their mental wellness. 

If you or someone you know needs help, the next step is to start with our free emotional assessment. This allows us to get to know you a little better. Let’s work together to improve your mental health.

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You could also reach out to your insurance company to verify if they cover mental health services, including therapy sessions and medication management for mental health conditions, under your plan. Because we're working toward adding new partners to provide low-cost therapy and medication management, you always have the option of signing up and using your insurance at a later date if your carrier becomes a partner. How it works After you’ve confirmed your eligibility, getting started with Cerebral is easy. Here’s how it works: Create your account in a few easy steps, and we’ll set you up with an in-network plan. Choose your in-network clinician and schedule a session on a weekday, night, or weekend.  Collaborate with your care team on a personalized plan with progress tracking and ongoing support. Focus on your care — we bill your insurance provider for you. The majority of our clients are able to see someone within a week, and while most of them are happy with their first choice, you can pick a new one whenever you want for any reason.  Cost of Cerebral subscription benefits With insurance, you can access all subscription plan benefits for $30 per month. This fee includes a range of services and features designed to support your mental health goals, including: Quick access to care (typically less than a week)  Easy online scheduling and session reminders Flexibility to choose your preferred in-network clinician  A personalized treatment plan with progress tracking Unlimited messaging with your care team between visits  In-app resources and therapeutic exercises  Complimentary lab work at partner labs when clinically appropriate for bipolar treatment Access to CerebralRx, our at-home medication delivery service with free 2-day delivery It’s important to note that CerebralRx medication costs are billed separately and are not covered by insurance benefits. If you choose to fill your prescription through another pharmacy, your insurance may cover those medications. You may also be responsible for additional cost share fees such as copays and deductibles. Understanding cost share Depending on your insurance plan, you could be responsible for additional cost-share fees like copayments, coinsurance, or the full cost of services if you haven't met your deductible. If you’re newer to the ins and outs of insurance (or, understandably, get a little confused by it), here’s what those terms mean: Copayment (copay): A fixed amount you pay for covered services at the time of your visit. Coinsurance: A percentage of the costs of a covered healthcare service you pay after your deductible. Deductible: The amount you need to pay out of pocket for healthcare services before your health insurance plan begins to cover costs. Your insurance company will send you an explanation of benefits (EOB) outlining any additional costs. For copays and your deductible, you might be able to offset costs by using tax-free dollars from a flexible spending account (FSA) or health savings account (HSA). No one likes surprise bills, so we also notify you of any owed cost share fees 7 days before charging the payment method on file. Cerebral Network and clinicians At Cerebral, we offer a network of fully licensed and trained prescribers and therapists that you can connect with all from the comfort and convenience of your home. At Cerebral, we display profiles of in-network providers, allowing you to choose the one that best fits your needs and is in-network with your payer. When using insurance for Cerebral, you’ll be able to meet with your care team whenever clinically appropriate. We’ll manage all the billing and claim submissions for you so you can focus on getting high-quality care. You can also message our care team for support between sessions. They're available during business hours and will respond to you within 1-3 business days. Other ways to help cover costs If you would prefer not to use your in-network coverage or aren't covered by insurance or one of our partners, there are other options.  Using FSA/HSA funds FSA or HSA accounts allow you to set aside pre-tax money for medical expenses, often including mental health services. You can absolutely use your HSA or FSA card as your primary payment method in your Cerebral account. Just a reminder: These accounts could also be used to cover copays and your deductible. It's always helpful to double-check and get more information. Contact your insurance provider to find out more about HSA or FSA options and how to submit receipts for reimbursement. They can also provide answers to any questions you have about ​​submitting a claim, using your HSA or FSA funds, or receiving reimbursements. How to get reimbursed for out-of-network services If you decide to choose an out-of-network clinician, you can request a special type of itemized receipt (known as a superbill) that typically includes: Client contact information  Provider information   Your diagnosis in the form of an ICD code  CPT code(s)  Dates of service Itemized list of costs Referrer contact information (if applicable) Our team would be happy to assist you with this process — all included with your subscription plan. Then, all that’s left is submitting it to your insurance provider for reimbursement. How to get one: To request a superbill, simply log into your account and send us a message. Requesting verification of your payer when added We’re continuously working to onboard new payers to expand our insurance coverage. If your insurance provider isn't currently on our list, as a Cerebral client, we'll notify you via email when new partners are added. This way, you can start using your plan benefits as soon as your carrier becomes available. Expanding insurance partnerships At Cerebral, we understand the importance of accessible mental health care. That's why we're committed to expanding our insurance partnerships to provide more people with the support they need. We're actively working to onboard new providers so our clients can have more options for affordable mental health care. Navigating insurance coverage for mental health services can be challenging, but we’re doing what we can to make it easier. Our expanded insurance partners and low-cost monthly subscription plans for insured clients can help you receive high-quality care with the convenience and affordability you deserve. Check your insurance coverage today and take the first step toward better mental health. Images by diana.grytsku and freepik on Freepik.
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