need advice- financial trouble

hello all! this is my first time posting as i’m needing a bit of support right now. i started therapy through NOCD over a month ago to prep me to come off my OCD meds. it’s been going really well and taking steps towards progress has felt really empowering! HOWEVER my insurance was supposed to cover the costs completely but it is only covering about half. I am a college student that is already barely making ends meets and i can’t afford to continue with my therapy. i am feeling super discouraged and really upset at my circumstances and i really don’t know what to do about it. any advice or support anyone can offer would be appreciated. thanks guys 🥲

Anonymous

Date posted: 2d

In my searches for other therapists I have found some folks who do sliding scale for those who can’t afford therapy. I don’t think they have them on NOCD but you might be able to find them elsewhere. My go to for finding mental health professionals in the past has been psychologytoday.com. Also depending on what college you go to you may be able to apply for a fund to help you pay for therapy. There was one at my old college that provided for people who would be unable to access mental/physical health resources otherwise. I hope this helps and I am wishing you good luck!!

Anonymous

Date posted: 2d

@Anonymous I just did a search on psychology today and there are a lot of online therapists who offer erp with a sliding scale in my state. Idk where you are but I’m hoping that there might be some where you are as well.

j vv

Date posted: 2d

I would also recommend reaching out to NOCD Member Advocates directly. They are there to help and may have resources and other solutions ready to send you! Another idea I had: Some colleges have mental health services available at a discount for students. It may be worth a quick call to see if they might cover some of your NOCD costs, receive mental healthcare at a discount, or have some other resources to refer to. I’ve been there in college. Really struggling, little support, and feeling very alone while knowing how desperately I needed mental healthcare. It was so difficult. Do your best to keep taking steps forward! Hugs from afar 🫂

Kong Rong

Date posted: 2d

First of all just know you’re not alone, and we’re here for you 🙂 I’m sorry it’s so painful right now… I’m guessing not, but are the charges at all disputable? I also don’t fully know how dire your financial situation is, but if you have some capacity, then sliding scales with therapists are the way to go. Free is rare to find this way. If not, then your next best bet is to check if your school offers free or reduced resources. If that doesn’t work, then you’ll want to look for your closest Community Service Board. They have state sponsored capacity to provide free mental health services, often even including psych meds, and even services to help with resources for underprivileged people.

Anonymous

Date posted: Yesterday

Have you talked to your therapist about writing your insurance? Mine required my therapist write a letter. It is now completely covered

Anonymous

Date posted: 21w

I can’t have really good days

If I ever experience myself happy in life, my relationship, or friendships, OCD just finds a way to ruin it for me. As soon as life’s going good, it pops up into my head with all these intrusive thoughts that make it impossible to just relax and enjoy myself. My relationship has been improving, along with my mental health, and I have been feeling so in love and present with my partner. Everytime that happens OCD pops back up, with all these thoughts in my head like “What if I don’t really love my partner” “What if I’m not actually attracted to him” then it spirals to “What if I’m gay” “What if I don’t even like men” and it keeps going and going. Now, I can’t even hang around women friends without OCD popping up and saying “What if I’m attracted to them” “You have a crush on them”. I have always identified as straight, and I have always been boy obsessed growing up. I don’t want to be gay and lose everything I have with my boyfriend. That’s a huge fear that OCD is putting into my head. That I’m gay and I don’t actually love my partner and am attracted to him. I’m so upset. I just want to be happy in my relationship and at peace. And I want to be able to make female friends without OCD ruining it for me. :/ It’s like if I’m really stressed, my OCD gets really bad. And if I’m happy my OCD gets really bad. Unfortunately NOCD doesn’t accept my insurance, but I am meeting with a therapist I found on Rula who treats OCD, so I’m hoping that helps. I am also considering meds, because I can’t keep living like this. It’s been 25 years.

lizzieisanxious

Date posted: 18w

vent,, feeling a bit hopeless

i’m so sorry, this is a bit longer than i anticipated. for the people that struggle with periods on this app, i’ve had irregular ones all my life. the one i’m having now has been going on for almost two and a half weeks, i’m in so much pain, and i’ve bled through pants multiple times a day since i’ve been on it. i went to the gyno earlier this year for my first pap smear and tried talking to her about the problems i had previously faced. it felt like she ignored me and rushed through my appointment. i had to go ahead make another appointment with her because she could see me the soonest (since i was already established with her. every other office i called could only take me starting late june) due to the issues i stated previously. i’m extremely nervous to go because i’m scared she won’t listen to my issues like last time. i’ve also gone to the er a few times trying to figure out what’s wrong, but they all just do a blood test and an ultrasound and tell me to go home. i’m swimming in medical bills that i already can’t pay. on top of that, my ocd is getting to a point of being extremely debilitating. i tried seeing if the app would accept my insurance, but they don’t. even with a payment plan, i absolutely cannot afford to find therapy here. i’ve also tried looking at therapists near me, but it seems like none of them specialize in ocd. i live in a small town, so in a way that’s expected, but it doesn’t help my case. i’ve been feeling incredibly weak due to the blood loss and the lack of therapy. i just need some kind words to help me keep a positive attitude, because it’s been extremely hard to do so as of late.

Anonymous

Date posted: 17w

Venting and need some advice

I really do want to go to therapy or psychiatrist to diagnosed my OCD and give me a treatment but it costs a lot. OCD ruins my life and consumes my mind I wish I can take a break from my own brain. Having OCD but undiagnosed feels like I’m crazy because people think I made that up but they don’t know how I’m struggling since I was a kid. So anyone have an advice for treat OCD especially checking OCD that doesn’t cost money? because I don’t work yet..🥲

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