![]() ![]() A boulder is clearly visible and undeniable. In case this makes more sense visually, think of trauma like a boulder (stay with me!). And that’s the biggest differentiator between CPTSD and PTSD: trauma related to a specific moment, like a severe car accident, a physical attack, or moments like undergoing treatment for a life-threatening disease, is associated with PTSD, whereas complex trauma can often be more subtle or ongoing. That’s partly because it’s inescapable and constant or because the complex trauma wasn’t one distinct and obvious event. So experiencing stuff like living with an alcoholic parent, growing up in a dangerous neighborhood, facing endless microaggressions, or even surviving human trafficking could lead to CPTSD.įor the most part, complex trauma (like those events or situations above) usually happens when you’re a kid or adolescent and-in my professional experience-it might even feel normal when you’re going through it. While PTSD refers to surviving a traumatic event (or multiple events) and the psychological distress that can follow, CPTSD is used to describe the unique effects of exposure to trauma that is often prolonged (lasting months or years at a time), repetitive, and difficult or impossible to escape. That said, it’s in the World Health Organization’s International Classification of Diseases ( ICD-11) manual as of 2018, and many mental health experts (including me) treat it as a legit condition. Worth noting from the jump: CPTSD is not actually in The Diagnostic and Statistical Manual of Mental Disorders ( DSM-5-TR). What is complex PTSD, and what causes it? Inquire about specific terms, limitations, and covered treatments in your plan, to get better clarity on BPD-related care.Δ By subscribing to our email newsletter, you agree to and acknowledge that you have read our Privacy Policy and Terms and Conditions. If you have BPD and need insurance coverage, start by contacting your insurance provider directly. While having an ICD-10 code for BPD is important for communication among healthcare professionals and insurers, it doesn’t guarantee automatic insurance coverage. This code is used to identify and classify the disorder for billing and coding purposes in healthcare settings. The classification code for BPD in the International Classification of Diseases, 10th Edition (ICD-10) is F60.3. Medication, if deemed necessary and sometimes with prior authorization, is another aspect of treatment that insurers may cover. ![]() Psychotherapy is a commonly covered treatment, and various therapeutic approaches, including Dialectical Behavior Therapy (DBT), may be included. ![]() Insurance companies often cover therapies and interventions related to conditions such as anxiety, depression, substance misuse, and eating disorders, which frequently accompany BPD. Individuals with BPD are most likely to receive coverage for treatments that address specific symptoms and co-occurring disorders rather than the overall BPD diagnosis. Axis II disorders include personality disorders and intellectual disabilities. This reluctance is influenced by the historical challenges faced by Axis II personality disorders (a classification previously used in the DSM-4) in terms of limited coverage. Insurance providers may hesitate to cover BPD due to its classification as a nonacute, constant condition. Generally, insurance coverage may depend on factors such as the severity of the diagnosis, the presence of co-occurring disorders, and the specific terms of the insurance plan. The criteria for insurance coverage of BPD can vary among insurance providers. Borderline personality disorder criteria for insurance coverage ![]()
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