How to Pay for Borderline Personality Disorder (BPD) Therapy Treatment Programs Without Health Insurance

A MISSION FOR MICHAEL

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A Mission For Michael (AMFM) has mental health treatment facilities in California, Washington, and Virginia that offer comprehensive care for personality disorders, including Borderline Personality Disorder (BPD). We utilize Dialectical Behavioral Therapy (DBT) to improve emotion regulation, distress tolerance, and interpersonal dysfunction for those living with BPD.

In addition to BPD treatment programs, we provide treatment for various mental health and dual diagnosis conditions. Admission counselors at AMFM Mental Health Treatment Centers can help you understand the costs of treatment and explore how to pay for a borderline personality disorder program. Dial (866)478-4383 today to learn more!

United States BPD Treatment Stats and Information

Nationwide studies have indicated that the prevalence of Borderline Personality Disorder (BPD) in the general population falls between 0.7% and 2.7%. Most individuals begin to experience symptoms in early adulthood. The prevalence rate of BPD in outpatient treatment programs ranges from 11% to 12% and is approximately 22% of those in psychiatric programs.

Borderline personality disorder is more common among women than men and tends to have lasting functional impairment, particularly in terms of social recovery. However, over half of those who receive treatment experience remission five to 15 years after successful completion. The rate of suicide for those living with BPD is 5.9%, higher than the observed rates for other personality disorders. One research study indicated that three-quarters of those living with BPD have a history of at least one suicide attempt. Dual diagnosis is common among those living with BPD and can include other personality disorders, mood disorders, eating disorders, and PTSD.

What is Borderline Personality Disorder (BPD)?

Borderline Personality Disorder (BPD) is known for contributing to intense emotional responses and difficulties with interpersonal relationships. Those living with BPD often struggle with emotional dysregulation, mood instability, and impulsive behavior. Without treatment, BPD can be difficult to manage and lead to chronic emptiness and identity disturbance.

Mental health stigma surrounding borderline personality disorder is often fueled by misinformation and inaccurate depictions. BPD is often a trauma-related disorder that involves a fear of abandonment. Individual differences are common and can be found in the symptoms you experience and their intensity. Common BPD symptoms include:

  • Mood shifts
  • Identity instability
  • Distorted perceptions of self and others
  • Self-harm behaviors and suicidal ideation
  • Unhealthy or intense relationships
  • Splitting (black-and-white-thinking)
  • A history of unhealthy relationships
  • Affective instability
  • Poor anger management
  • Dissociation
  • Emotional vulnerability

Treatment for borderline personality disorder often includes psychotherapy and the use of psychiatric medications. Medications, including mood stabilizers, antidepressants, antianxiety medications, and antipsychotics, are used to treat specific symptoms. In addition to Dialectical Behavioral Therapy (DBT), Cognitive Behavioral Therapy (CBT) is another therapeutic approach used to treat BPD. These therapies can help you recognize the connection between your thoughts, feelings, and behaviors. This allows you to make decisions to change unhealthy thoughts and beliefs, leading to emotional and behavioral changes.

How Much Does BPD Treatment Cost Without Insurance Support?

The Psychiatric Services Journal estimated that the cost of treatment for personality disorders falls between $12,696 and $19,231 per person annually. This number can fluctuate based on the intensity of the care provided, the duration of care, and the use of specialized treatment programs. Inpatient treatment programs have higher costs than outpatient programs, and medication management services incur additional expenses.

Research has indicated that those who receive treatment for BPD see an average decrease of $2,988 in their healthcare needs in the following years. These savings are an additional benefit to receiving proper mental healthcare treatment today.

How to Lower the Cost of BPD Therapy Programs

The simplest way to lower the costs of borderline personality disorder programs is to use health insurance. Health insurance can reduce the cost of inpatient psychiatric care, psychotherapy, and prescription medications. You may still be responsible for some out-of-pocket costs like copayments or deductibles.

Other options would be to speak with your treatment provider about accessing sliding scale fees, grants, and other resources for funding mental health treatment. We encourage you to contact A Mission For Michael with specific questions about how to pay for borderline personality disorder mental health programming.

How To Pay for BPD Evaluation, Testing, and Assessments  

Health insurance plans typically include coverage for BPD evaluations, testing, and assessments. You may be responsible for some of the cost, depending on the details of your insurance plan. We encourage you to familiarize yourself with your plan (if applicable) so that you are fully aware of your benefits. 

You can access a confidential and free BPD assessment by calling A Mission For Michael today. We’re proud to offer these complimentary evaluations as a component of our admission process. Allow us to match you with the proper treatment program. Our admission counselors can answer your specific questions about BPD evaluations, testing, and assessments, as well as how to pay for a borderline personality disorder mental health program. 

How To Pay for BPD Programs with No Health Insurance Support?

Without health insurance, you have a few options for paying for BPD treatment. Look for nonprofit treatment providers in your area, as they typically offer affordable mental health care. You may be eligible to receive grants for mental health care based on your location and financial needs.

If you have chosen a private healthcare provider, you can inquire about available sliding scale therapy costs and other options for funding behavioral health treatment. Mental health payment plans can space your total expenses out over time, making them more budget-friendly. Call us today to speak with an AMFM representative about how to pay for borderline personality disorder programs.

Can I Pay for BPD Medications Without Health Insurance Support?

You can pay out of pocket for your borderline personality disorder medications. This approach does generally have higher costs. However, you can look into patient assistance programs or government aid to reduce the costs of your medications. Consider using the generic version of your medications for further price reductions.

You can ask your prescriber about pharmaceutical company discounts or coupons that can reduce the cost of your BPD medications. Contact A Mission For Michael (AMFM) for further details.

Who Can Prescribe Medications to Treat BPD Disorder?

Primary care physicians, psychiatrists, nurse practitioners, and physician assistants can prescribe medications for BPD. Prescriptions used to treat borderline personality disorder focus on symptom management or comorbid conditions, as there is no medication specifically approved to treat BPD. Mental health professionals are required to have certain educational and training experiences to provide medication management services.

It is not uncommon for prescribing professionals to recommend behavioral health treatment for those receiving or instead of medication management services. Many organizations, including the National Alliance on Mental Illness (NAMI), consider Dialectical Behavior Therapy (DBT) the gold standard for treating BPD. In fact, many studies conclude that medications should be prescribed only as a supplement to psychotherapy.

Will Commercial Health Insurance Pay for Costs of BPD Medications?

Prescription drug coverage plans often cover an assortment of medications. This commonly includes medications used to treat borderline personality disorder symptoms or common co-occurring conditions. Prescription coverage does vary among insurance companies and may require prior authorization. We encourage you to review your plan for noted limitations or exclusions for name-brand drugs.

Verification with a healthcare provider like AMFM can help you understand the scope of your coverage and your out-of-pocket expenses for various borderline personality disorder treatments. 

How To Pay for BPD Medications with Health Insurance Support?

To pay for your prescription medications, you can utilize your health insurance coverage or pay out of pocket for your medications. Out-of-pocket expenses are often less when you use health insurance. In both situations, generic medications can help keep the prices of your medications down. 

Those who are struggling with borderline personality disorder symptoms are encouraged to call AMFM Mental Health Treatment Centers to learn about available treatment options and how to pay for borderline personality disorder treatment.

BPD Treatment Programs That Offer Flexible Payment Options Near Me

A Mission For Michael (AMFM) offers a range of comprehensive treatment options and accepts insurance coverage for therapy. Our borderline personality disorder treatment options offer the support you need to decrease your psychological distress and improve your functioning. Dial (866)478-4383 today to learn about our mental health financing options.

How To Get into a BPD Therapy Program Near You

To be admitted into a BPD treatment program with A Mission For Michael, several steps need to be taken. The steps among our programs do vary, but they have similar components. To help you plan for this process, we have developed a brief description of what to expect:

Step 1

Research Treatment Options for BPD

The initial step is to research local treatment providers and their available BPD treatment programs. Be mindful of access to inpatient and outpatient treatment and which aligns with your needs. Once you have found a reputable provider offering treatment that aligns with your needs, you can then take the next step of contacting them.
Step 2

Confirm Health Insurance Coverage with BPD Treatment Provider

Your treatment provider will help you verify your insurance coverage. AMFM Mental Health Treatment Center will contact your insurance provider and inquire about limitations, restrictions, and authorizations required for coverage. We also ask about your out-of-pocket expenses, allowing you to plan accordingly.
Step 3

Undergo Assessment for Treatment Eligibility

BPD treatment programs begin with a thorough assessment and evaluation that investigates your symptoms and how they interfere with your daily life. This information is then used to determine if the available programming is a good fit for you. If it is, your clinical team will then work on developing a personalized treatment plan.
Step 4

Obtain Medical Clearance for BPD Program

A component of this medical assessment is to determine if you require medical services or supervision before beginning BPD treatment. This may be necessary for those who were prescribed controlled medications that need to be adjusted. Individuals with physical health concerns may be referred for appropriate evaluation and testing.
Step 5

Explore Payment Methods for BPD Program

Once your treatment plan has been developed, you'll have a better understanding of the frequency and intensity of your program. With this, admission counselors can provide you with a personalized quote, allowing you to address the financial component of care. At AMFM, we accept many insurance plans and offer other options for paying for counseling services.
Step 6

Begin the Admission Process for BPD Treatment

After your treatment plan has been finalized and you have settled the financial side of things, you can then engage in treatment. You’ll be provided with a treatment schedule to follow. Additionally, treatment providers will submit medical claims to your insurance company directly. Your focus at this time should be on fully participating in treatment to decrease your psychological distress.
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    Find out about our free and confidential mental health helplines.

    We accept most major insurance providers and can check your coverage levels for you.

    If we are not an appropriate provider for care, we will assist in finding a care provider that can help. 

    Ways To Pay for BPD Treatment If You Don’t Have Insurance Coverage

    Without insurance, paying for Borderline Personality Disorder (BPD) can be expensive. There are a variety of resources available that can help you manage the costs of treatment. Call AMFM at (866)478-478-4383 to explore how to pay for a borderline personality disorder mental health program. 

    Navigating Government Aid and Negotiation Tactics for BPD Treatment

    Medicaid and Medicare are governmental programs adept at financing psychiatric care for various mental health disorders. When paying out-of-pocket for borderline personality disorder care, depression treatment, or related, you may also be able to use payment plans and sliding scale fees to negotiate access to affordable mental health care.

    EAPs and Specialized Healthcare Credit Options for BPD Care

    If you have an Employee Assistance Program (EAP), you may have access to subsidized mental health services, including borderline personality disorder treatments. You can also consider a medical credit card if you need additional cash flow to pay for copayments, deductibles, and other medical expenses.

    Funding Options: Grants, Scholarships, and Community-Based Resources for BPD Care

    Additional funding options include grants, scholarships, and community-based resources. These options can provide funding for some, if not all, of BPD treatment programs. This allows you to access the care you need to receive continued support for your emotional and psychological needs. 

    Personal Financing: Crowdfunding, Loans, and Savings Strategies for BPD Therapy

    Personal financing options, including crowdfunding and loans, are additional options. Loved ones may be willing to offer loans or financial assistance. It’s essential to be honest and transparent when asking for financial support. You can also consider personal savings as a BPD therapy funding option.

    Uncovering Local Charities and Community Support for BPD Treatment

    Local charities and nonprofit organizations in your community may have grants for mental healthcare or financial aid for therapy services. They may also be able to tell you about affordable mental health care resources within your community. This can help you find local low-cost treatment options.

    psychologist and patient in a therapy appointment.

    How To Get Insurance to Pay for BPD Treatment Near Me

    An important step in receiving coverage for BPD treatment is to familiarize yourself with the scope of your coverage. Do this by reviewing your policy documents. Look for details talking about in-network providers, required authorizations, limitations, and exclusions. Remember that insurance companies are required to offer some coverage for inpatient care and psychotherapy.

    If you’re working with an Employee Assistance Program (EAP), we encourage you to contact your representative and inquire about subsidized mental health services and mental health expense management. These services can help you access low-cost mental health services. Contact AMFM today to discuss how to get insurance to pay for borderline personality disorder programs near you.

    Does Private Health Insurance Pay for BPD Therapy and Treatment Programs?

    Yes! Most health insurance companies provide insurance coverage for therapy. This includes treatment for various personality disorders, including borderline personality disorder. Mental health insurance coverage is required by the 2010 Affordable Care Act. This legislation ensures funding for behavioral health treatment. Coverage rates and details do vary among different providers and plans.

    Another detail to be mindful of regarding this legislation is the mental health parity laws. These ensure that you receive coverage despite prior mental health diagnoses and treatment episodes. This is important for those living with BPD because this condition often requires complex treatment. The admission counselors at AMFM Mental Health Treatment Centers can help you understand the scope of your insurance coverage. Begin by completing our insurance verification form and call us today. 

    US Statistics and Information on BPD Therapy Treatment Programs

    Check if your health insurance will cover the cost of mental health treatment.