Humphreys says this trend of mental health clinicians shunning the health insurance industry and decamping to the cash market dates back 70 years, to the end of World War II.
Especially in affluent places like the San Francisco Bay Area, this creates a divide, a culture of mental health haves and have-nots. Mental health clinicians don't need to participate in the health care system or take insurance to keep their schedules full — making it harder and harder for people of lower income to find a therapist.
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