What are the disadvantages of a managed care plan?

– Pre-approval is required before starting treatment.
– You must tell an insurance company representative about your problem to be approved, no matter how embarrassed you are to talk about it.
– You are limited to panel or network providers, and sometimes have no choice at all. Often there are many more therapists with less training and experience.
– Network providers may not be conveniently located.
– Network providers may not have appointment times available that fit your schedule.
– You may have to wait weeks for an appointment.
– Network providers may not have expertise in treating your problem.
– Network providers may have less education and experience than other local professionals.
– There is limited confidentiality. The managed care company receives treatment summaries with details of your problem and treatment.
– Treatment is usually more time-limited than in POS coverage.
– You must receive authorization for all treatment.
– The provider may be reluctant to ask for more treatment sessions because it is a “hassle.”
– Non-authorized or non-approved treatment will not be covered.
– Type of treatment and length of treatment must be approved by managed care.
– If you appeal managed care limits, coverage (and treatment) must wait for the appeal.