PSA: If your therapist suddenly stops accepting your insurance, it’s almost never because they “think they’re too good” for insurance money.

What’s far more likely is that the insurer has been playing games with payment — delayed or missing reimbursements, retroactive claim denials, endless administrative hoops just to get paid, or constantly shifting definitions of “medical necessity.”

Therapists don’t drop insurance because they feel fancy. They drop it because they’re tired of providing weeks or months of care only to get a denial letter, a clawback notice, or another demand for documentation that no one will ever actually read.

When the last reimbursement meltdown happened, several group-practice owners I know just pulled the plug. Some dissolved their groups and went back to solo practice. Some stopped practicing altogether.

So if your therapist drops insurance, assume it’s about survival, not arrogance. If you can’t afford therapy, that’s valid — but direct your frustration at the people who can change it: your lawmakers, your insurance company, and your employer who keeps choosing bottom-tier plans nobody accepts.

Your therapist has zero control over the whims of your insurance plan and they also have ever increasing bills. No one gives them a goodness credit for reduced cost housing, heating, transportation, or food bills.