Are there any disadvantages to using insurance?

The disadvantages of using insurance depend on the type of insurance plan that you have.  Unfortunately, your insurance won’t cover the cost of a visit with just any doctor. The most common disadvantage of using insurance is this network limitation, where most insurance companies–but not all–limit your coverage to in-network providers. Moreover, some insurance companies require you to get a referral from your primary care physician before you can go to specialists. Insurance companies may even limit the kind of mental health treatment you can receive. To learn more about what your insurance company covers, you can either visit their website or call to talk to a representative. 

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Updated on: 07/11/2023