What Types of Insurance are Accepted by Counselors in Davidson County, Tennessee?

The State of Tennessee Health Insurance Assistance Program (TN SHIP) provides free, objective Medicare advice and assistance to protect the 2.8 million Tennessee residents who have health insurance from their employer, as well as anyone enrolling in a new insurance plan in the state. Most mental health therapists in Davidson, Tennessee, offer specialized treatment services such as couples therapy, premarital counseling, and family therapy. Cognitive therapies like cognitive behavioral therapy (CBT) and dialectical behavior therapy (DBT), as well as comprehension-oriented therapies like psychodynamic therapy are the most common types of therapy offered in the county. Many drug prescribers offer appointments outside of traditional business hours.

Services designed to address issues that are not diagnosed mental health conditions, such as couples therapy and life counseling, are not usually covered by health insurance. The Tennessee State Health Insurance Assistance Program (TN SHIP) is a federally funded program that provides free, unbiased advice and assistance to people in Tennessee who qualify for Medicare, their families, and their caregivers. The potential mental health provider must also be a licensed therapist in the state for the insurance company to cover the services. The state estimates that 52% of people who need services have insurance, but a Tennessee review of mental health services revealed that the system is complicated to manage since many of the major therapy providers only accept cash payments.

As the stigma surrounding mental health is gradually fading away in Tennessee and across the country, the current mix of providers who don't accept insurance can sometimes be an obstacle to care. Many prescribing professionals have returned to offering in-person sessions; you can filter the “In-Person” option to find a provider that accepts new clients for in-office sessions. Nonprofit agencies offer variable income-based rates to meet the needs of uninsured or underinsured people, but according to many experts, wealthy residents who can afford out-of-pocket expenses are often the ones receiving therapy services. Many mental health professionals require clients to make an introductory call before booking a full appointment online.

Many prescribing professionals offer a variable rate or range of rates per session depending on economic needs for clients who would otherwise be unable to afford the typical therapy rates in Davidson, Tennessee. If you have a PPO or POS insurance plan, you'll likely receive some reimbursement if you go to an out-of-network prescription drug provider in Davidson, Tennessee. Other health care specialists must establish why they need their services in order for insurance companies to cover the care.

Keith Sibilio
Keith Sibilio

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