I am in need of a specific therapist for a specific issue. I found someone who is perfect but they are three hours away from me so we'd have to do virtual. Even though she is covered under my insurance, insurance will not cover it if we do a virtual appointment, it only covers in person, and this is apparently for any therapist on my plan. Do insurance companies not realize it's really effing obvious this is just to prevent you from using your benefits, and how is this even legal? It's the same therapy and is probably even cheaper if the therapist doesn't have to maintain a space in their office for a client to sit in. I hate US healthcare so much. I thought my insurance covered virtual appointments but nope it only covers virtual appointments with a physician.
My question is how is this legal, and has anyone else had this issue?
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