Posted by wishingstar on May 29, 2006, at 23:31:01
In reply to Re: I should add..., posted by Meri-Tuuli on May 29, 2006, at 5:12:56
Many insurance companies in the US dont have mental health benefits unfortunately. Those that do often limit it to 15 sessions per year or something like that. Better mental health benefits it something our country REALLY needs, in my opinion.
Even if a company has benefits for mental health (or for anything really), they can claim that a condition is preexisting and therefore not cover it. Different companies have different rules, but its usually something like "if you've been treated/dealt with xxx condition within 1 year of beginning the plan, its preexisting and we dont cover it." My company actually does have some mental health benefits (although minimal), but I'm stuck in pre-existing land for another few months at least. If it werent for that problem, a psychiatrist would even be covered. But not in my case. Stupid, huh?
But yes, your question about why have insurance if they dont cover my bills.. good question! I'm not planning to keep this company.. no insurance is easy to deal with, but these people are exceptionally bad. I dont understand the complexities of the system either, and I live in the US! :)
Anyway, I'm very open to the idea of herbs and alternative medicines. However, going off the other medication could potentially lead to much more serious problems down the road (not today, but months or years from now). Ive thought some since I posted originally, and I'm just not sure the risk of stopping another medication would be worth it. But the idea is still definitely in my mind as an option. Thanks for your info.
poster:wishingstar
thread:649976
URL: http://www.dr-bob.org/babble/20060525/msgs/650305.html