Can You Still Get Health Insurance Cover if You Have a History of Mental Illness?
As you might expect, insurance companies are not keen on people with a history of mental illness. In fact, many of them will not even bother to offer you insurance if you have ever been diagnosed with any mental illness, even if you are in remission. These companies are, however, not just concerned with your past. They also want to know about your future. If you think you might have a mental health condition, you may be better off making sure you are protected from insurance companies in the future.
The answer to this question is probably not unfortunate. The National Alliance on Mental Illness (NAMI) notes that there are certain instances where you may still be eligible for coverage, such as if you have been using mental health services for less than two years; have treatable mental illnesses; a history of non-adherence with treatment; and if you can provide proof of non-compliance with treatment. If you do not fall into any of the above categories, you will likely have to pay for mental health treatment yourself.
Fortunately, there are steps that you can take to get health insurance coverage if you have a history of mental illness. If you or a loved one recently experienced a mental illness or have experienced it and are concerned about the future, it is important to know what your options are and how to get health insurance coverage.
You may be entitled to cover if you have a history of mental illness and continue to get treatment for your mental health conditions. This is not a guarantee — your insurer will need proof of your treatment. Still, if you have been diagnosed with a mental health condition, and you are able to show that your condition is under control and that you are receiving treatment, you should be able to get back cover.
Mental health is a hard topic to tackle. Many people are afraid to open up about it due to the stigma that comes along with it.
Mental health is a topic that is often misunderstood and is often viewed with fear and trepidation by the general public. All too often, people with mental health difficulties are seen as a burden to society and their families, who often face ostracism and ridicule from those around them. They often feel as though they are unable to find answers and solutions to their problems.
Mental illness is a broad term that describes a range of mental conditions. Conditions like depression, anxiety, bipolar, and schizophrenia are common afflictions that people can face. However, not everyone with a mental illness needs treatment or medication, and some people who have a history of mental illness may still be eligible for healthcare coverage.
Once again, it is a blanket term for various disorders that each have their own symptoms, causes, and treatments. As a result, there is no one-size-fits-all approach to treatment. Some people may have periods of severe mental health issues, while others may have consistently mild problems. Some may have a history of mental illness but are able to lead an active and productive life, while others may be unable to be of any use to themselves or others.
Due to the stigma surrounding mental illness, many individuals don’t seek treatment due to fear of losing their health insurance coverage, or job, or being labeled a “loser” or “weak.” The stigma of mental illness is rampant and is an issue that needs to be addressed. With the stigma of mental illness as it is, many individuals continue to suffer due to the lack of access to proper mental health care.
The number of people affected by mental health problems is rising, especially among young people. A major reason for this is the stigma that surrounds mental health—people are reluctant to seek help and instead tend to suffer alone. This is why mental health is an important issue and one that the government is committed to tackling. A month before, the Chancellor of the Exchequer announced a £1.3 billion package of reforms to improve access to mental health services and ensure people are not put off seeking help.