Law and Ethics Practice Exam

A therapist encounters a client who can't afford his copayment. What is the most appropriate ethical response?

1. Waive the copayment without further discussion

2. Terminate services until the client can pay

3. Discuss fee options and possible solutions with the client

4. Submit a request to the insurance for a fee waiver

The correct answer is: Discuss fee options and possible solutions with the client

The most appropriate ethical response in this scenario is to discuss fee options and possible solutions with the client. This approach embodies fundamental ethical principles in therapy, such as respect for the client's autonomy and the importance of open communication. When a client is unable to afford their copayment, it's essential for the therapist to engage in a dialogue to explore the client's financial situation and potential solutions. This not only demonstrates empathy but also allows the client to feel heard and involved in the decision-making process regarding their treatment. The therapist might consider options such as sliding scale fees, connection to financial assistance programs, or even temporary adjustments to payment arrangements that ensure the client can continue receiving the support they need. This option promotes an ethical standard of care by prioritizing the client's well-being and access to necessary mental health services. It also fosters a trusting therapeutic relationship where clients feel comfortable discussing their financial constraints without fear of judgment or immediate termination of services.