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Insurance Pre-Authorization for Mental Health: How to Avoid Approval Delays

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Marcus, a forty-one-year-old account manager from Charlotte, North Carolina, had finally agreed to enter a residential treatment program for his alcohol use disorder. His therapist found a bed at a respected facility for Monday morning. On Friday afternoon, the admissions coordinator called with words Marcus did not expect to hear: the insurance company needed to … Read more

Special Needs Trust and Mental Health: Protecting SSI Eligibility for Family Members

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When Eleanor died at seventy-nine in her Sarasota, Florida, condominium, she left behind a thirty-eight-year-old son named Daniel who had lived with schizoaffective disorder since college. Eleanor had been careful her whole life. She had saved methodically. She had worked with her bank to draft a will that left Daniel half her estate, about $190,000 … Read more

Acute Mental Health Crisis on College Campuses: How University Counseling Centers Handle Emergencies

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It was 2:47 a.m. when Maya, a sophomore at the University of Michigan, finally typed the message into her residence hall group chat: “I don’t think I want to be here anymore.” Her roommate Ainsley, asleep until her phone buzzed, woke up, read the screen twice, and ran across the hallway barefoot. She had heard … Read more

Self-Pay Cash Discount for Mental Health Therapy: Negotiating Lower Rates Without Insurance

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Priya, a twenty-nine-year-old graphic designer in Austin, Texas, had spent three weeks calling therapists in her insurance network. The eight names that had openings were either booked into the following spring, no longer accepting her plan, or specialized in something that did not match her needs. When she finally found a therapist whose Instagram post … Read more

Behavioral Health Urgent Care: Walk-In Outpatient Mental Health Visits

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On a Wednesday afternoon in Phoenix, Marisol noticed her hands trembling as she sat in her parked car outside her office. She had run out of her sertraline four days earlier because her psychiatrist’s portal kept rejecting the refill request. Sleep had collapsed. Her boss had pulled her aside that morning to ask if everything … Read more

Mental Health Charity Care and Hospital Financial Assistance: Free Care Programs

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Bernard, a fifty-two-year-old line cook in Cleveland, walked into the ER on a Tuesday with chest pain that turned out to be a panic attack stacked on top of an ulcer. Three weeks later, an envelope arrived with a $14,800 bill for the visit, the imaging, and the overnight observation. Bernard had no insurance, two … Read more

Aromatherapy and Mental Health: Essential Oils Evidence and Safety

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Marisol, a 38-year-old graphic designer in Albuquerque, started using lavender oil after her sister sent her a starter kit from a multi-level marketing company. Within weeks she was diffusing seven different blends, swallowing oregano capsules for “immune support,” and applying undiluted clove oil to a toothache that turned out to be an abscess. When she … Read more

Mental Health Step-Up Programs: When Outpatient Therapy Is Not Working and IOP Is the Bridge

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By the second visit to the emergency room in three weeks, Priya’s husband finally said it out loud at the kitchen table in Austin. He could not keep doing this. Priya had been in weekly therapy for six months, on two psychiatric medications for four months, and she still spent most evenings curled on the … Read more

Blind and Low-Vision Therapist Resources: Accessible Mental Health Care for Visual Impairment

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Desmond, a forty-one-year-old high school history teacher in Cleveland, Ohio, lost the central vision in both eyes to a rare retinal disease over the course of fourteen months. He kept teaching. He kept walking his daughter to the bus. What he could not keep doing was the thing he had done every Sunday for two … Read more

Addiction Specialty Pharmacies: Compounded Naltrexone, Pharmacy Counseling, Vivitrol Coverage

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Three weeks into recovery, Reggie was sitting in his sister’s kitchen in Cincinnati when the pharmacy called. His monthly Vivitrol injection was approved, but the local CVS could not stock it. The pharmacist explained that Vivitrol is a specialty medication that ships from a designated specialty pharmacy, refrigerated, with a 48-hour delivery window, and his … Read more