Mental Health Coverage

November 8th, 2010 |

If you suffer from any mental disorder, you may well know insurance companies are the lengths to deny legitimate claims. Many insurance companies do not protect the mental health because they do not want to lose money. health insurance companies hate particular antidepressants, however. For example, a simple prescription Prozac affects not only the mental health coverage but also all other aspects of their health insurance. Insurers often believe that people who take antidepressants are suicidal or have serious medical conditions that put themselves and others at risk. Antidepressants affect your premium and deductible and may also affect life insurance policy. Why so afraid to insurers of mental disorders?

For insurance companies, whether or not they decide to handle a particular situation or medicine is a business decision. Insurers make money by creating a large number of healthy people. These people are not likely to need medical help, but your premiums, even generate income for insurance companies. People taking antidepressants, however, are generally considered high risk due to depression can be a symptom of other more serious conditions. Mental disorders also need treatment for life, making mental health coverage too expensive for many companies to consider.

Although many insurance companies are reluctant to provide mental health coverage, you can always find a good insurance if you spend some time looking. The best option is to enroll in a kind of group plan as a package of health insurance funded by employers. These plans take anyone who is eligible and do not include periods of pre-existing condition exclusion. If you can not find a group plan, try to find an individual insurance plan that does not treat depression as a pre-existing condition and provides adequate coverage. This type of society exists, but you may need to do research.