The referral process is provided free of charge as a public service.
Fees for private practice therapy vary among our therapists. If you
choose to use your health insurance, it is important to find out about
deductibles, co-payments, and any limitations on the number of sessions
allowed. Find out if you can work with any licensed provider or whether
you must see a therapist who is a provider for your specific health
plan. SWTRS lists therapists who participate in most health insurance
You may decide to pay privately for counseling
because of concerns about confidentiality or because you choose not
to be limited to your insurance plan's network of providers. Or you
may not have insurance. SWTRS can help you find a therapist you can
The Mental Health Parity Law
In 2000, the Massachusetts Legislature passed a Mental Health Parity
Law. This law requires employers to provide parity--the same insurance
coverage for biologically-based mental health conditions as for physical
conditions. This bill affects:
||People with biologically based conditions
including schizophrenia, bi-polar illness, panic disorder and other
conditions listed in the Diagnostic and Statistical Manual (DSM).
|| Rape victims (once they have exhausted
compensation from the crime victim's compensation law).
||Children and adolescents with non-biologically
based emotional or behavioral disorders that substantially limit
||Clients with non-biologically based
mental health conditions who may also be eligible for up to 24 therapy
sessions depending on medical necessity.
Whether you are entitled to greater mental health benefits from your
insurance company depends upon your mental health condition and upon
where you work. If you are employed by a self-insured company, the law
does not cover your benefit plan. If you are employed in Massachusetts
by a company that is not self-insured, the law covers you. The law does
not apply to companies with less than 50 employees. You can learn more
by asking your insurance company for details.
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