I am responding to this section of your post;
“I remember one case involving a client with present suicidal ideation, and yet the insurance company was not willing to cover their stay. Because of this, I feel very strongly about the ethics surrounding using a diagnosis exclusively for insurance reimbursement.”
I, too, have noticed this type of behavior while working within community mental health. My mind wanders towards the lack of communication between mental health providers and business corporations. I believe we are missing or passing one another. Insurance companies do not follow our ethical codes and guidelines as they probably have their own. It hurt us more to use them as a pathway of helping our clients receive the best care if they do not understand why we make the decisions we do. It makes me wonder if we need to find another means of communicating the needs of our clients. This would involve us knowing what our clients are experiencing (bringing them into the room). My hope for our field is to increase our ability to reach professionals outside of the mental health field. We must continue to try for the sake of our clients. It is difficult to have empathy or to understand someone you don’t know.