I am on government insurance (Medicaid). Out of pocket, my psychologist's rate is $225 an hour. He went through a decade or more of school, obtained a PhD, and graduated with student loan debt. He didn't state how much, but I can imagine it's likely in the hundreds of thousands considering he still has this debt and graduated with his PhD in the early 2000s.
He shared with me that out of that $225 rate, he obtains about $25 from one Medicaid client's insurance company. The insurance company pockets the rest. My friend, another therapist, has a similar story. She makes $75 off of Medicaid clients usually when her rate out of pocket is $200.
Most therapists, psychologists, and psychiatrists are no longer accepting Medicaid/Medicare insurances because of this reason, which people who are poor are on. Over half of mental health professionals are no longer accepting insurance, period. I think we all understand that low-income people and low-income communities struggle the most with mental health issues, and if you are a person of color in the US you are more likely to be low-income. If you are a domestic violence survivor turned homeless because you left your significant other, you are also more likely to be on Medicaid. If you are a first generation student, you are most likely on Medicaid. If you are formerly incarcerated, you are most likely on Medicaid. And so on.
Additionally, if you are a human being of the female sex, you are far more likely to seek out therapy than someone of the male sex. Overwhelmingly men don't seek out therapy unless their female significant partner pleads with them, pressures them, or gives them an ultimatum which influences them to make an appointment. What does this mean when the vast majority of mass shooters, rapists, pedophiles, and domestic violence abusers are male?
Figure 2. Percentage of adults aged 18 and over who had received any mental health treatment, taken medication for their mental health, or received counseling or therapy from a mental health professional in the past 12 months, by sex: United States, 2019
Pair all of these details with the fact that mental health professionals are in such high demand right now, that even with private insurance the wait list is anywhere from three to six months out. Insurance agencies are business, and the corruption inherent. Many focus on prioritizing coverage for acute crisis rather than treating long term underlying conditions (which in turn prevents acute crises), don't provide coverage for co-occurring conditions, are advertising that more providers are accepting their insurance than there actually are, and are solely driven by financial interest.
I wonder how much domestic violence, sexual violence, child abuse, poverty, hate crimes, generational trauma, and overall suffering within individuals and in their societies can be reduced by valuing mental health and holding insurance companies accountable for their financial exploitation.
We talk about the US healthcare crisis without talking about the US mental health crisis.
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