LuckyR wrote: ↑November 13th, 2021, 11:52 am
Sushan wrote: ↑November 13th, 2021, 4:28 am
LuckyR wrote: ↑November 12th, 2021, 3:10 am
Sushan wrote: ↑November 12th, 2021, 2:52 am
I think it is better to advice anyone to seek professional help regarding medical matters. But why do you say mental health coverage is substandard? There are abundant amount of psychiatrists and psychologists, but the problem is people not seeking help from them in many occasions due to various other matters (non-medical) including social stigma. But if they seek professional help I do not think either they will be ignored or misdiagnosed.
I meant insurance doesn't pay for mental health services very much, if at all.
I am not aware much about health insurances and insurance policies. But as far as I know people can choose the coverage that they want, and if someone included mental illnesses in his/her coverage then the insurance companies are legally bound to compensate in such an event of being diagnosed with a psychiatric illness. I think many people do not think to get such a coverage thinking that they are immune to psychiatric illnesses.
Well here in the US most health insurance is through employers, who choose the offerings from the insurance carrier. Policies that cover more than the bare minimum mean more out of pocket costs to the employee. Since wages are at recent historic lows, few choose such plans.
Yes, it is understandable people thinking about the cost that they have to bear up regarding health matters and insurances. So it is fair enough for someone to not obtain coverage for a less expected illness.
I would like to know how insurance people mention about the psychiatric illnesses in their policies. Is it by mentioning it in general terms or do they use the ICD 10 or DSM V classifications? Because if they do the latter then no one will be able to get a redeemable health coverage due to the hughe number of various psychiatric illnesses.