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Between limited insurance coverage for mental health and the surge in demand for counseling since 2020, just finding a therapist who’s available and affordable can be haaaard. Then you finally find one, and you spend a session or two telling the story of your life before you can really get to work. I went through the process last year. And after all that, I noticed that after every session with my new therapist, I actually felt worse. But, I wondered, even if she’s not the best fit, is it really worth trying all over again? Moraya Seeger DeGeare, a licensed marriage and family therapist, says therapy should feel like a coffee date with a friend where you get into deep conversation. "You should feel so in alignment with your therapist in some of those great sessions," she says. Seeger Degeare shared advice with NPR’s Life Kit about how to know when it’s time to move on – even when you and your therapist are simpatico. Positive reasons to leave therapy might be if you've made progress to the point where you don’t have much to talk about in sessions, or you’ve developed the tools you need to cope on your own. Then there are red-flag reasons, like if your therapist comes onto you, harrasses you, or violates confidentiality. Seeger Degeare says many people find themselves in between, where you’re getting some support from therapy, but wondering if you might be able to find a better fit. If that’s you, Seeger Degeare recommends asking yourself questions like ‘What does this feel like in my body at the end of the session? What really stands out for me?’ Write down your answers and follow up with yourself to see if your feelings change over time. Find out what to look out for and check out Life Kit’s video to learn how to break up with your therapist, and find a new one. Also: How some therapists are helping patients heal by tackling structural racism |
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Find yourself unable to pay a medical bill and your dentist's office or hospital’s billing department might offer you an alternative: a medical credit card like CareCredit from Synchrony Bank or the Health Advantage Card from Wells Fargo. The cards typically offer a promotional period during which patients pay no interest, but if you miss a payment or can't pay off the loan during the promotional period, then you can face interest rates that reach as high as 27%. In a new report, the Consumer Financial Protection Bureau estimates that Americans paid $1 billion in interest on medical credit cards and other medical financing in just three years, from 2018 to 2020. That includes loans offered by health care financing companies like AccessOne. An analysis of records from North Carolina's public university medical system found that after the system outsourced payment plans to AccessOne, the share of patients paying interest on their bills jumped from 9% to 46%. "Many people would be better off without these products,” the CFPB concludes. Learn more about the multibillion-dollar patient financing business and its cost to patients. Try this instead: How to eliminate, reduce or negotiate your medical bill Also: Sick and struggling to pay, 100 million people in the U.S. live with medical debt |
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We hope you enjoyed these stories. Find more of NPR's health journalism on Shots. All best, Andrea Muraskin and your Shots editors |
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