(Closed) NWR: Needing lots of support

posted 6 years ago in Emotional
Post # 3
Member
46408 posts
Honey Beekeeper
  • Wedding: November 1999

I live in Canada, but I thought it was ruled that the Affordable Care Act meant that companies couldn’t deny coverage for pre-existing conditions?

http://psychcentral.com/news/2012/06/30/mental-health-care-benefits-under-affordable-care-act-obamacare/41052.html

It’s ludicrous to suggest that someone go off their meds for two years in order to get coverage. That’s like telling a diabetic they have to go off insulin for 2 years! Psychiatric illnesses and diabets are both often caused by chemical imbalances.

I am sorry you are going through this hassle.

Is there any possibility you could move to Canada?

Post # 4
Member
334 posts
Helper bee
  • Wedding: February 2013

That must be incredibly frustrating; I completely understand how awful it is to be denied medical converage for something that is critical to your day-to-day living. I also understand that if you are feeling increasingly depressed, that is going to make it difficult to make decisions and figure out how to remedy this problem. Can your husband make calls to the insurance company and help you navigate the system?

I worked for a community mental health center that provided unlimited free outpatient counseling to all residents of that city. Are there any agencies that offer free/low cost services in your area? I understand that if you already have a close relationship with a psychologist it might feel scary to see a new therapist, but as you said, this could be an issue of life and death for you. You said you were a student – does your university have a counseling center? University counseling centers often offer students a limited number of free counseling sessions as well. The important thing is to see a therapist and then have her/him help you to find low-cost options for medication.

Keep pushing through and advocating for yourself! *Hugs*

Post # 5
Member
484 posts
Helper bee
  • Wedding: September 2013

I don’t have any advice or suggestions, but I am sorry you are going through this. I really hope everything works out for you. Good luck and good vibes! 

Post # 6
Member
3175 posts
Sugar bee

I’m sorry to hear that, I can’t believe insurance companies can get away with things like that. πŸ™ I don’t know anything that could help you, but I just wanted to say that we’re here any way we can be on the bee and hopefully you and your Darling Husband can navigate this tricky situation soon. 

Post # 7
Member
1629 posts
Bumble bee
  • Wedding: June 2011

I would be freaking out too because I have severe clinical depression.  Have you tried checking with your school about insurance coverage?  They usually have some kind of plan you can get through them.  It would be worth checking into.   I know there are some programs that help people with psych visits when they don’t have insurance.  I have luckily never had to use one.  Do some more research and as around with people you know in your area to see if they have any suggestions.  There is likely someone else that has been denied and knows what to do.  Don’t give up!  I would never go off my meds for years at a time.  I would probably be dead after a few months.  Psychological issues are serious, so make sure you don’t give up until you find the coverage you need.

Post # 8
Member
1734 posts
Bumble bee
  • Wedding: June 2012

This is ridiculous. I’m so sorry. I echo what @emilygrace07:  said — please look into insurance through your school and sliding-scale or no-cost counseling in your community or through your school. Another suggestion — look on the website of the manufacturer of your medication. Many companies offer cost reductions on meds to folks below a certain income — my dad can’t take the generic for his cholesterol meds, and Astra-Zeneca gave him discounted meds.

Good luck, and DO NOT go off your meds.

Post # 10
Member
1526 posts
Bumble bee

I am so sorry you’re facing that. That’s horrible! I’m not sure what you can do. Does your school offer insurance? I know mine did and free therapy. Insurance is such a sucky thing sometimes. It’s really useful, but that’s horrible they would make someone with severe mental health issues wait SEVEN years for coverage. That’s unthinkable. 

Post # 12
Member
1526 posts
Bumble bee

It’s sad more people don’t take it seriously, because it is biochemical. But so many think that if you can’t see it, it’s not real. You can’t “see” mental illness, like depression, but it’s real. 

Post # 14
Member
232 posts
Helper bee
  • Wedding: October 2014

I’m so sorry this is happening to you, my Fiance has depression so I’m sending you good positive thoughts!

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