My parents are driving me crazy so I thought I'd see a therapist. Then I read this scary story about a woman who was turned down for insurance because she saw a therapist years earlier, even though she wasn't medicated or anything! I know whatever I do through my insurance company will be disclosed in the future, but how bad could it get? I don't need medication or anything, I just want to talk through the problems with someone before my baby comes in 2 months. But I'm more stressed out about this insurance stuff than I am about the actual problem with my parents! I can't afford it out-of-pocket. Should I be worried?
2007-08-08 03:15:42 · 7 answers · asked by ♫ Sweet Honesty ♫ 5 in Health ➔ Mental Health
It actually depends upon your insurance carrier. Get your folks to get a benefit booklet and pore over what is covered and what is not.
My youngest has ADHD/ODD. Our insurance paid for the psychiatrist, but not the therapist - odd, yes. Daughter is only on medication for depression and not ADHD, and her psychiatrist gets paid 80% after a yearly deductible is met, we are responsible for the rest of the cost. The therapist worked out a schedule where we could pay what would normally be our insurance copay, so it is okay altogether.
An insurance company can change its policy in the middle of coverage, and many do...too many change, so what you heard may very well have been true. You have to sign consent forms for the insurance to review your case regardless of where you go and who treats you.
Good luck.
2007-08-08 03:22:13 · answer #1 · answered by ripsgracie 5 · 0⤊ 0⤋
The woman was probably turned down because of the Pre-existing condition issues.
Today, this is NOT something you should be worried about. Because as long as you do not have a lapse in coverage of more than 63 days, insurance companies have to provide coverage.
Look up pre-existing condition clause on google and it will explain it. In the past, if you had a condition that was pre-existing, you could be denied insurance. Today, no.
2007-08-08 11:18:51 · answer #2 · answered by riptide_71 5 · 0⤊ 0⤋
i don't understand what you're worried about.
if you undergo therapy, it's YOUR business... you don't have to disclose it to any future insurance company (say you get a job with insurance, you sign up for the insurance... you don't have to tell them you were in therapy previously, it's none of their business).
perhaps when you see a therapist you could let them know about this concern...
2007-08-08 10:23:11 · answer #3 · answered by letterstoheather 7 · 0⤊ 0⤋
Michael Moore has his special "Sicko" Insurance card... flash that with hesitant or obnoxious insurance agents and you may see some change in attitude!
2007-08-08 10:35:51 · answer #4 · answered by gatherusin 2 · 0⤊ 0⤋
i would think it would depend on what was going on there. i have been through recovery for sexual abuse, and i have never had any issues getting any insurance. perhaps if your friend was suicidal or something? i guess i dont know why they would decline to insure you over therapy? sounds kind of fishy to me.
2007-08-08 10:36:17 · answer #5 · answered by ohiojeff 4 · 0⤊ 0⤋
Get the help you need and take care of yourself (and the little one). Your medical history is private (HIPAA laws).
You don't need to disclose it.
(and don't believe everything you read)
2007-08-08 10:30:21 · answer #6 · answered by pops 6 · 0⤊ 0⤋
No.
When you are expecting everyone drives you crazy.
Your hormones are shifting to accomodate two people.
But is it really them?
read my free articles
http://themeaningisyou.com
2007-08-08 11:05:31 · answer #7 · answered by HJG 4 · 0⤊ 0⤋