Carter J. Carter became a therapist to help young people struggling with their mental health. Rosanne Marmor wanted to support survivors of trauma.
Kendra F. Dunlap aspired to serve people of color. They studied, honed their skills and opened practices, joining health insurance networks that put them within reach of people who couldn’t afford to pay for sessions out of pocket.
So did more than 500 other psychologists, psychiatrists and therapists who shared their experiences with ProPublica. This story comes from ProPublica, a nonprofit newsroom that investigates abuses of power. Sign up to receive their biggest stories as soon as they’re published.
But one after another, they confronted a system set up to squeeze them out. Although federal law requires insurers to provide the same access to mental and physical health care, these companies have been caught, time and again, shortchanging customers with mental illness — restricting coverage and delaying or denying treatment. These patients — whose disorders can be chronic and costly — are bad for business, industry insiders told ProPublica.
“The way to look at mental health care from an insurance perspective is: I don’t want to attract those people. I am never going to make money on them,” said Ron Howrigon, a consultant who used to manage contracts with providers for major insurers. “One way to get rid of those people or not get them is to not have a great network.
” There are nowhere near enough available t.