Excerpts from another post by Cheryl Fuller, on the problems with insurance coverage and DSM diagnoses:
When a therapist sees someone like I described above and agrees to accept payment from health insurance, both therapist and patient are agreeing to the assignment of a psychiatric diagnosis and thus tacitly accepting that these problems in living are in fact symptomatic of mental illness. I opted out of accepting insurance when I realized that in my mind continuing to assign diagnoses to people who were not ill was unethical. It allowed me, as it has those therapists who continue to do so, to charge higher fees, but it was also putting me in the position of colluding with something I didn't believe in.
I do believe that all humans are wounded, varying in degree and type of wound, but we are all wounded. My first professor in abnormal psychology put it this way -- from the moment of conception we are bombarded by influences of all kinds, both noxious and helpful and as adults we are who we are at least in part due to the effects of these influences. Some of us will be more scarred than others, but none of us will be unmarked by the experiences of our lives. So wounded per se is the normal state, not a state of ill-health.