02/25/2026
The Step Child of Healthcare by Dr Sib
No offense to step children. I once heard a colleague say that ‘mental health is the stepchild of healthcare’. It has stuck with me for over 20 years. What she meant was that it often seems like all the money pours into healthcare for the diagnosis that is most frequently in the news. Examples: dementia, cancer.
Now, these diagnoses need money and I’m not saying there shouldn’t be money going to these causes as well. It is very important. However, when you look deeply, you can see that mental health programs are basically divided into two camps. Mental health for the rich (private care) or mental health for the poor (subsidized, county or federally funded). If you are someone who is very mentally symptomatic acutely or chronically (as is often the case with schizophrenia, bipolar, substance use disorder, PTSD, DID, dementia, etc) you will have a very hard time getting your mental healthcare needs met in the ‘typical’ medical system. Even if you require ongoing medication management and therapy, it can be quite difficult for most people to afford unless they have insurance that has significantly robust mental health coverage. If you are a ‘typical’ person who may need therapy sometime in your life it can still be a pretty significant cost and not sustainable for many people, having copays from $25 to 90, deductibles, and many services not covered or partially covered. If you can afford to pay out of pocket for therapy the average cost is $150 per session, weekly sessions can quickly become unsustainable. Approximately 32% of therapists right now are private pay only, dropping off insurance panels or never even trying to get on them. Reasons predominantly include low reimbursement rates and high administrative burden.
My journey as an Entrepreneur began well before I became a therapist. My first venture started when I tried my hand at a small business importing handicrafts from Thailand. I sold them during summer events in New England. I eventually rented a market stall in Salem, Massachusetts. My husband and I have also owed two Thai restaurants together, one in Portland, Oregon and the other in Oceanside, California. All of these ventures had their own set of challenges.
My journey as a private practice therapist has been replete with challenges as well. I started off under the name Life Enrichment Services and worked out of an extra bedroom in my home in Portland, Oregon, eventually sub-leasing an office with a PMHNP. After moving to California I got my own office and continued the business as a Sole Proprietor. Over the years I knew I had to change my business structure to something different. Sole Proprietorship was not the best business type for a professional. In 2024 I started my first S Corp, Willow Tree Licensed Clinical Social Worker. Despite the challenges of increased overhead and liability costs I have managed to survive for my first full year (2025). I think this is an extraordinary accomplishment!
However, due to the changing nature of the mental health business, the overall healthcare system, the medical model of psychotherapy, changing HR and workplace rules, etc. the challenges of being an Entrepreneur still continue.
As your Willow Tree CEO I remain steadfast in meeting our clients’ needs for exceptional care at affordable rates. I have had to make some tough business decisions, however, and have needed to pass some of the cost on to clients and staff (this includes myself). We will need to be more adamant about charging small fees for things like sending medical records, writing letters, renting books or equipment. Many of our insurance contracts DO NOT ALLOW us to collect payment for NO SHOWS or LATE CANCELS. Therefore, we will be asking YOU to help with this very challenging administrative cost as well by giving us sufficient cancellation notice (at least 24 hours). We hope you understand that this is a business and we want to survive to serve you another year!
Have a blessed day,
Dr Sibelia L Chaiyahat, LCSW
Resources:
More than one in five adults in the U.S. live with a mental illness, but only about half receive treatment. Many struggle to find a therapist that will accept their insurance. An NPR/ProPublica investigation found that therapists, psychologists and psychiatrists who join insurance networks often lea...