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Originally Posted by Resolute 14
It's not that it is outrageously expensive so much as many health plans don't cover it nearly well enough. The company I worked for when I went to see a psychologist would refund $500 a year. The rest was tax deductible, but only if you spent a minimum percent of annual salary. Even at once every three weeks, I never hit the threshold. End result: I ate the cost. My current employer would have been much better, as it covers something like 75% of all visits.
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Well, as per my link, the psychiatrists recommended charge up to $200/hour. My health care plan covers $1,000 per year and after that you are on your own. No serious mental illness can be dealt with in 5 hours of counselling.
As for the tax deduction, that's useless. You have to spend more than 3% of your net income. So for someone with a net income of say $80,000, that's $2,400 out of your own pocket before you can claim any tax credit. Well, I guess that $2,400 would get eaten up awfully fast at $200 a pop, but that alone would put many people in the poorhouse. I guess being depressed and poor would be a very bad combination.