158. What are some of the advantages and disadvantages of Point of Service , or traditional coverage?

Advantages:

• You can choose to receive treatment from any licensed professional.
• You are not forced to choose a therapist with less training or experience just because s/he is the only therapist on your "list" with an open appointment.
• You and your psychologist determine what treatment is most appropriate, not an insurance clerk or claims reviewer.
• You do not have to explain to a clerk why you want to seek psychotherapy.
• Treatment is automatically covered up to your plan maximums.
• Treatment is confidential, and treatment records are protected by law.
• Only information required for insurance payment is released to the insurance company (diagnosis and session dates).
• If you are unhappy with the therapist, you can easily change to another therapist without needing permission from the insurance company.

Disadvantages:

• You sometimes have to pay an annual deductible.
• You are responsible for a percentage of the fee.
• The total cost of treatment may be a little greater.
• You have to choose your own therapist