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Re: Well.......... Important about Insurance » Phillipa

Posted by yxibow on September 8, 2006, at 23:55:37

In reply to Re: Well.......... » willyee, posted by Phillipa on September 8, 2006, at 21:08:15

> Sad. But i wonder what would happen if you contacted your insurance company and maybe even sent the infor to them? Just a thought. Love Phillipa


The last people you want to know anything about your mental health in the US is your insurance company. Sad but true. Because typically an insurance company contracts out to a "behavioural health management company" and pays a lower lifetime cap on everything.


Don't violate your privacy rights by giving anything to your insurance company they don't already know. I know this for a fact because I'm glad to have HIPAA insurance but I was rejected by same said company for an application for private insurance because I was "honest" and put "depression" down on it (essentially you have to self-criminalize yourself on any insurance application or any company, including the required HIPAA act providal can reject you.)


I now have insurance that costs more but at least if I get into a massive medical injury, I am covered to X million dollars, the only real reason these days to have insurance in our country.

 

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