Insurance can be confusing...
There are different types of insurance plans and they can be overwhelming and hard to understand. PPO (Preferred Provider Organization): PPO plans offer more flexibility in choosing healthcare providers. They have a network of preferred healthcare providers, but you can typically receive care from out-of-network providers as well. You'll pay less when you use in-network providers, and you don't usually need referrals to see specialists. HMO (Health Maintenance Organization): HMO plans typically have a more restricted network of healthcare providers. You are usually required to choose a primary care physician (PCP) within the network, and you'll need a referral from your PCP to see specialists. HMO plans often do not cover out-of-network care except in emergencies. Overall....PPO plans offer more flexibility in terms of choosing healthcare providers and receiving care without referrals. However, this flexibility often comes at a higher cost in terms of premiums and potential out-of-pocket expenses. On the other hand... HMO plans tend to be more cost-effective in terms of premiums and out-of-pocket costs, but they require you to work within a more structured and restricted network of providers. Deductible and Co-Pays: Deductible is the initial amount you must pay before your insurance coverage takes over. Selecting a higher deductible can lower your premium but increase your out-of-pocket expenses in the event of a claim, while choosing a lower deductible will generally increase your premium but reduce your upfront costs in case of a covered incident. The choice of deductible amount should align with your financial situation and risk tolerance. Copayments are fixed, upfront costs you pay each time you receive a specific covered service or fill a prescription. They do not accumulate annually and are straightforward, predictable fees for services.
The alphabet behind our names
Different letters have different meanings. I'll start with the letters behind my name. LCSW-S: Licensed Clinical Social Worker Supervisor LMSW: Licensed Master Social Worker. This type of licensure requires LMFT: Licensed Marriage and Family Therapist LPC: Licensed Professional Counselor PhD: Doctor of Philosophy PsychD: Doctor of Psychology
Starting a business?
Are you curious about shifting to private practice? Have questions? Here is how I can help! - Identify your niche - Research and Market Analysis - Develope a business plan - Compliance - Develop your platform - Marketing and growth
What are differences between a therapist, psychologist, and psychiatrist
The key differences between therapists, psychologists, and psychiatrists are their educational backgrounds, roles, and the extend to which they can provide medical treatment. Psychiatrists are medical doctors (M.D. or D.O.) who have completed medical school and specialized training in psychiatry. They can perscribe medication. Therapists and counselors have educational backgrounds ranging from master's degree to a doctoral degree. LCSW, LMFT, LPC all provide therapy/counseling for individuals, couples, families, or group. Psychologists hold a doctoral degree (PhD or PsyD). They are able to provide therapy and counseling but also focus on psychological assessments, research, and testing.