Many individuals seek to use their insurance when considering counseling, yet some refrain in doing so due to the negative aspects of having a diagnosis on their medical record. You may already know that in order for insurance companies to pay for counseling services, the counselor must provide a diagnosis using the DSM-IV to the insurance company. This may also include providing notes and treatment plans to the insurance companies, to ensure that treatment procedures are done "correctly."
Your diagnosis although confidential through HIPPA, is permanently on your medical record and therefore may effect you when you apply for new health insurance, life insurance and certain jobs that require an authorization to release information to view your medical history/record. For children, a diagnosis on their record can follow them throughout school and even onto college, also effecting them if they consider working as a federal employee, armed forces or jobs that require health-care related checks.
As a result, some individuals and parents of children may decide to pay for counseling services out of pocket. This information isn't a scare tactic or marketing ploy, it is simply a part of the informed consent for clients to know.
**Counseling at Cornerstone does accept payment through clients' HSA and can also provide a receipt for services that can be used towards your out of pocket deductible.