Insurance Question?

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pinkbutterfly
Regular Member


Date Joined Apr 2007
Total Posts : 21
   Posted 5/24/2007 8:42 AM (GMT -7)   
Has anyone on this forum been diagnosed and started treatment for depression w/out being covered by insurance? If so, are you covered now?
 
I am currently not covered by insurance - due to my husband's job change etc...(long story). But due to the necessity- I had to get help for my depression/anxiety. As I'm sure you all know, the cost of medication is outrageous!!! My husband has started looking into getting us covered, but seems frustrated due to the fact that he thinks that it will be difficult for anyone to want to cover us w/my illness???
 
Has anyone run into this problem? Can anyone suggest a direction for me to go to from here??? I'm overwhelmed by it all and beginning to feel quite helpless.... confused
 
I thank you for any suggestions in advance.
Pink
Pinkbutterfly
 
Severe Depression/Social Anxiety/Panic attacks
"Laughing is good exercise. It's like jogging on the inside"


wmnak
Veteran Member


Date Joined Jul 2006
Total Posts : 1123
   Posted 5/24/2007 11:35 AM (GMT -7)   
don't get me started talking about insurance companies and the insurance industry in general!  oh, he**!!!!  too late. devil
 
if any group could make attilla the hun look like a flaming liberal, it would be the insurance industry.  about 35 yrs ago, i thought about adding some life insurance.  i was turned down because of "mental instabiity." 
 
about 45 yrs ago i insured a car with an insurance company that used to be owned by a major retailer (of course i won't name the company or the retailer :-) ).  once they had insured the car, they decided that it was too old, so they cancelled my insurance.  in those days they didn't have to give you a reason.  no other insurance company would insure me, except as a "preferred risk,"  which is the highest premium they can legally get by with.  i hadn't had a ticket or a chargable accident in my life.
 
insurance companies are famous for refusing to pay for "pre-existing conditions," which your depression would be.  some will begin paying after a period of time, such as two to five years, others won't pick it up at all.  (this may have changed in the past few years).
 
it is doubtful that anyone will provide you with health insurance, except at an increased premium that may make buying the policy prohibitively exensive.  for example, i am disabled due to a back injury.  when social security finally agreed that i ws disabled,  i became eligable for medicare.  i tried to purchase a medicare suppliment.  at the time i could only find one that would insure me in the state of texas.  my premium was rated the same as someone in their 90s (i was in my late 40s at the time).
 
i don't know if this tyrade is helpful or not.  i hope that it is.  don't be frieghtened - they're only people and it's only money.
 
warren
That light at the end of he tunnel?  It's an on-coming train.
 
 


pinkbutterfly
Regular Member


Date Joined Apr 2007
Total Posts : 21
   Posted 5/28/2007 3:41 PM (GMT -7)   
Thanks Warren for your help in this matter. Insurance is such a tricky matter!

I wanted to place this post one more time hoping there might be others with some encouraging information??? Thanks,
Pink
Pinkbutterfly
 
Severe Depression/Social Anxiety/Panic attacks
"Laughing is good exercise. It's like jogging on the inside"

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