Just realized(therapist pay and U.S. insurance)
Even after hitting my deductible, the copay for my own in-network therapy is still more than my own therapist makes for that same session (tho after taxes) 🙄
*Edit: I appreciate people reading and taking interest. For those confused, here’s my breakdown without too many specifics for the sake of privacy:
Headway in my area offers X amount to therapists for a session. Falling into that same headway therapist category in the same area, I would make the same rate as my own T.
After accounting for self-employment, state, fed, and local taxes, I know rough payout after taxes as therapist in the area.
This payout happens to be less than what, as a client, I know I have to pay as a copay to most “specialists” under my plan. Under my plan, specialty visits include outpatient/PP therapists, so I pay that copay rate now that I’ve met my deductible.
That deductible amount I have to pay for my appointments is less than what my therapist would make for that same session after taxes in my area (both as a solo practitioner and as a private business owner).
From what I’ve seen, the difference in whether or not I’m paneled with headway vs. directly with said (my own) insurance company seems to be ~$10 give or take. Therefore, I do not see this as headway specific.
For example: A specific insurance (either directly or thru headway — it doesn’t matter) pays a provider $105 per session. My copay, as the client with that insurance, is $80 across the board for my providers after I hit my deductible. It does not matter what type of type of provider I’m working with so long as it’s not what my plan considers a preventative care, visit. Deducting roughly 30-35% for taxes is a widely accepted rule of thumb where I live. So after taxes in my area are deducted from that $105 session rate, the therapist ends up with $68.75. This is less than my actual $80 copay for that same session.