It was our understanding that under the Affordable Care Act (aka Obamacare) that people who have mental illness would be able to get treatment. Must there always be some type of loophole that the average consumer doesn’t know about? Seriously. When we read these stories, the answer seems to be a resounding yes.
This time the article, titled “Family, Advocates: Mentally Ill Get Short Shrift from Insurers. This story shares how this family has been trying to help their 19 year old daughter who suffers from bipolar disorder. She was first diagnosed in her mid teens and it progressed from there. The story shares that months into her illness, her insurance company began denying claims for her treatment.
One factor that is sticking out to us is that it doesn’t matter where you live, when you have health insurance, you are not guaranteed to get the care, medication or even treatment you need. This story is out of Oklahoma. One of the others is out of California.
The husband and wife push forward and have spent their life saving which is a little over $60k in order to help their daughter. Isn’t that what parents would do… whether it is (1) Use the life savings; (2) Take money out of retirement accounts if they can; (3) Take out a second mortgage if possible… whatever they need to do in order to get the funds when insurance is not doing what they thought it would do.
We like to recommend people have Plan A, B, C, D and not put all of their health care eggs into one basket. For example Plan A – if it is insurance, Plan B can be an indemnity plan, Plan C can be a discount plan, Plan D could be a catastrophic plan… get the idea.
Dr. Wagner remembers talking with her mother. She shared how many many years ago when there were companies that sold insurance plans just for cancer. There were people who purchased them just in case some where down the road, they ended up getting cancer.
Check out this story about mental illness – http://oklahomawatch.org/2015/05/07/family-advocates-mentally-ill-get-short-shrift-from-insurers/
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