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What is the best health insurance for the treatment of mental illness?

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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 12:33 PM
Original message
What is the best health insurance for the treatment of mental illness?
Which health insurance provider is the best when it comes to covering mental health treatment?

The answer may surprise you.
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slackmaster Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 12:34 PM
Response to Original message
1. None - I can treat most mental illnesses for free
I practice Corrective Phrenology.

:spank:
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Midlodemocrat Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 12:34 PM
Response to Original message
2. Except that isn't the way it works. The employer
determines the level of coverage, not the insurance company. You could have a top of the line United Healthcare package and a scrape the bottom of the barrel United Healthcare package. The insurer offers a product range and the employer or the customer determines the level.
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 12:42 PM
Response to Reply #2
5. Assume the highest quality of coverage, my friend.
I know that insurance companies offer multiple coverage policies. If "United Healthcare" is a provider, then post what there "top of the line" coverage includes.

The question is - Which provider offers the highest level of coverage for mental health treatment? Which plan is available with the greatest coverage?
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Midlodemocrat Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 12:46 PM
Response to Reply #5
8. I misunderstood you. I thought you meant private insurance companies.
The answer is Medicaid. Once you are a federally covered life, you wouldn't believe the things that are no charge to you. It's the best insurance available, even with the Managed Care carve outs.
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Oct-10-07 11:27 AM
Response to Reply #8
14. peace
peace and low stress
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rox63 Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 12:37 PM
Response to Original message
3. Medicaid
I have a friend who is on disability for mental illness. Not only does Medicaid cover her therapist, psychiatrist and meds, but it is also covering a day-treatment program that is doing wonders for her. I don't know of any private insurance that would cover that much.
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Midlodemocrat Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 12:39 PM
Response to Reply #3
4. You are of course, correct. I made the assumption that the OP meant private insurance.
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 12:43 PM
Response to Reply #3
6. You know your stuff my friend
peace and low stress to you and yours. God Bless your friend. :hi:
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bobbolink Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Oct-10-07 11:39 AM
Response to Reply #6
15. And, low stress to you, also. Peace.
That is a wonderful greeting for people.

As this is a great thread... good info.

Thanks. :hi:
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Oct-11-07 10:11 AM
Response to Reply #15
16. my pleasure
my friend
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kineneb Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 01:09 PM
Response to Reply #3
9. my vote, too
hence the reason I am appealing my SSI rejection (don't have enough work hours for SSDI, I was too depressed to work)...
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 02:12 PM
Response to Reply #9
10. please keep in mind that when you are ready to get off ssi/ssdi
that you can opt to keep your coverage (you will need to pay, but it will be less then your crappy private insurance + copays) if you still have mental health issues to deal with.

Peace and low stress and good luck with your appeal.

Remember SSA mission is to give the right check, to the right person, and the right time.

For your appeal to be successful be sure to provide information -
1) regarding your health (mental or physical)
2) regarding your inability to complete "gainful activity".

The best way to get the #2 data is to request supporting statements from people that didn't hire you or fired you. They know why you can't work (or why you can't work for them). Just let them (previous employers / potential employers that didn't hire you) that you need the info to get disability insurance and that you are not looking to sue them + are willing to sign a statement absolving them from lawsuits.

Peace and low stress and good luck my friend.
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Seedersandleechers Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 12:43 PM
Response to Original message
7. Is the person who needs treatment
able to hold down a job? Unfortunately some are not and therefore can not get coverage through an employer.
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mdmc Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 02:15 PM
Response to Reply #7
11. most people don't realize that medicaid is the best mental health
coverage available short of being elect to congress.

The OP was asking what the best medical coverage is for mental health. The best coverage is medicaid (what we give to people that can't afford health insurance). There is no private insurance that comes close to medicaid.
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Tierra_y_Libertad Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 02:21 PM
Response to Original message
12. The one that won't drive you crazy getting coverage. But, as an ex-counselor..
And, having to deal with a number of insurance companies and their "gatekeepers", Blue Cross - Blue Shield, was the one most likely to, at least, provide coverage without as much hassle, or downright refusal - despite what they promised.



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librechik Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Oct-09-07 02:26 PM
Response to Original message
13. United Healthcare paid 80% on an outpatient therapy program for my kid
that was a 10,000 dollar charge--Cognitive Therapy Intensive 10 week program.

We wound up paying under $1000 for the whole thing--it was worth every penny!

Amazing!

Thank you UnitedHealthCare--which, frankly, has been extremely decent to me and my family, from top to bottom.
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