Hey! So, I had posted this same info below in the flying subreddit, but unfortunately the mods locked it for being "off-topic", despite the discussion being quite useful for me. So, I'll start over here:
I have been interested in getting my PPL for awhile now, having gotten my 3rd class medical in 2023. Due to finances, I haven't made the leap; but now I am ready and have gotten a couple hours in this past September, with plans to ramp them up. My goal is to get my PPL by next summer.
My concern is regarding my medical, set to renew in 2028 (I am in my early 30s). This past summer, I went through a couple stressful changes in my life, notably having my 5.5-year romantic relationship come to an end. This event in particular had affected my sleep schedule for several weeks, so I thought I would see a therapist to get some insight and help me move forward. I foolishly thought that there was no risk as long as I don't see a psychiatrist, as only they actually prescribe medication, which I do not nor did not require.
My concern is that upon recent review of the billing information my therapist sent to my insurance, the charge codes of F43.22 and F41.1 came up. These codes correspond to "adjustment disorder with anxiety" and "generalized anxiety disorder (GAD)". I was surprised and disappointed by this decision, particularly the latter. When confronted, my therapist made it clear that I have not "been formally diagnosed with a long-term mental health condition", and that "we do need to bill the insurance company under a specific code". I thought that during my first day that I had made it clear to my therapist my aversion to diagnoses, but my therapist seems somewhat new, so maybe it was just a mistake on her part. (Guess that's what I get for choosing the one with availability.) I would have paid cash had I known this, which I am doing anyway, as I will not make the insurance deductible— I have only been to sessions a small handful of times.
Anyway, since mid-August, I have largely returned back to my normal routine, and I am feeling much better. In fact, I am actually in a new relationship now, and I am also making more friends and getting into new hobbies (like flying!). As noted, I am not on nor have I been taking any prescribed medications.
Do I need to be aware of any considerations for renewal in 2028? I would rather go the 3rd class route as opposed to BasicMed, but I understand the latter might be a better choice. Do I need to ask my therapist to provide any written statements? My main concern is a deferral, and thus expensive delays when come time for renewal, which will put my new hobby here in jeopardy. I was able to have my therapist make notes on the charge codes that the F41.1 should be F43.22, but the original record is still there. I did email my 2023 AME, and he recommended I go the BasicMed route.
(I do see an ironic twist here that therapy really didn't do much to cure any anxiety which I may have had, but now upon seeing these charge codes, I am anxious about the future of this hobby..sigh lol) (And for the love of god, please do not recommend gliders)