I Might Be in Need of a Reality Check (if it doesn't bounce)

[multipurposegoddess]

I am probably being really unreasonable.

We bounced a couple of checks drawn on our HSA to pay for therapy sessions. Now our therapist wants us to pay in cash. I really don't want to do that. It is upsetting me quite a bit.

Part of it is that I just don't want to send my husband off with $100 in cash twice a week. We are still rebuilding trust and I am just not there. 

And the other part is that our insurance only authorizes $74/session and we've been paying $100. Maybe that is usual for therapy, but that's not the way it works for the rest of my medical bills. And coupling my unease over that with the feeling I have that people who insist on cash are trying to get away with something, and I am about ready to change therapists. Which would be inconvenient, but I am just really uncomfortable with the whole thing..

So, is this one of those things that I just need to get over?

Comments

[serasempre.livejournal.com]

I did not think they could charge more than the negotiated insurance rate, so that makes me a little nervous of the therapist. I'd think if you couldn't explain that you've done X to make sure it doesn't happen again, s/he should be okay with not using cash, especially given the circumstances. Of course, charging more than the insurance says it ought to be would make me want to find a new therapist anyway. No advice, just head nodding. That's not something I'd just get over.

[casperflea.livejournal.com]

My experience is different - I've found it very common that therapists charge more than insurance covers and ask you to pay the difference (although the one I worked with most recently did note that if we were in financial hardship, she could be flexible.) I also would not be concerned if a therapist asked for cash after having had more than one check bounce.

I would call her yourself and explain your concern about cash in your situation, and see how she takes it. That will give you a better sense of where thing stand.

[fiorituranotte.livejournal.com]

That's a tough situation. Would a money order be a possibility?

[trudybooth.livejournal.com]

I've always payed more than insurance.

Money orders from the post office are cheap. You could buy a few at a time?

[lili-beth.livejournal.com]

t, I think if you called her you might be able to work something out, like direct deposit - she must have a business account, right?