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  • Writer's pictureWalnut

Ever Wonder How Insurance Changes What you Pay?

Updated: Jan 23, 2019

• By Gabriel IJ Snell

I'll admit it: when I started working at Walnut, I didn't understand most of how health insurance worked. I had used insurance to pay for my own therapy before, but I didn't really know what I was doing. Over the years, I've learned a whole lot about how insurance works, and now I talk with people about their insurance benefits all the time.

At this time of year, many people's insurance plans are changing, or they're starting up new plans entirely. Like me, you may know that using insurance changes how much you pay, without really understanding how that works.

The thing is, knowing how insurance works is really important, because it can help you make decisions about what plan to sign up for, or even whether to use your insurance or not. The thing is, insurance is complicated. There's a lot of terminology and weird rules. Every insurance company does things differently, and each plan has different rules about what it will pay for.

I want to share some of what I've learned, so that you can make informed decisions about your mental health costs. This will be an ongoing series - there's lots to know! But let's start with the basics: here are the two methods that health insurance plans use to lower your costs.

As always, thanks for reading! Got more questions about insurance that you want answered? Hit me up and tell me what you want to see next: To support mental health in the LGBTQ community, check out


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