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<rss version="2.0"><channel><title>LifeTips Health Insurance Tip of the Day</title><link>http://HealthInsurance.lifetips.com/</link><description>HealthInsurance.LifeTips.com Tip of the Day</description><dc:language xmlns:dc="http://purl.org/dc/elements/1.1/">en-US</dc:language><generator>LifeTips.com</generator><image><url>http://HealthInsurance.lifetips.com/rss/lt-logo-green.gif</url></image><item><title>Make Smarter Mental- Health Decisions</title><link>http://HealthInsurance.lifetips.com/tip/130727/health-insurance-tips/coverage/make-smarter-mental-health-decisions.html</link><pubDate>Thu 24 Jul 2008 00:00:00 GMT</pubDate><guid isPermaLink="false">B7A5C0E3-EEA6-16AD-32AA-6FF0B2713D36</guid><description>Most health plans limit mental-health therapist coverage to 30 visits a year. If you're seeing a therapist every week, this can be very costly. If you go to a certified counselor or clinical social worker instead, you might be able to cut your bill in half (the average fee: $90 an hour) instead of a psychologist (around $120). Most studies find no difference in effectiveness.&lt;br/&gt;&lt;br/&gt;&lt;br/&gt;For more Health Insurance tips, visit &lt;a href="http://HealthInsurance.lifetips.com/"&gt;http://HealthInsurance.lifetips.com&lt;/a&gt;

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