Greetings! In order to answer this question, a researcher would need
personal information about you which is not permitted at Google.
Because there are so many plans and coverages, you would have to
provide detailed information to each insurance company to see how a
pre-existing condition coverage would fit in their guidelines.
One thing you might do is to contact the APA (American Psychological
Association) to see if there is a program in your state for coverage,
or approach a local psychiatrist or psychologist and see if they take
"pro-bono" type patients of low financial means. They may have
special rates for those patients without health insurance (many
physicians do).
American Psychological Association
750 First Street, NE
Washington, DC 20002-4242
Attn: Practice Directorate
Phone: (202)336-5800
Internet: Practice@apa.org
I did find a few links thsat might be of interest to you (see below)
and you might try searching:
[your state name] mental health insurace provider
In doing this, you may discovere a special plan in your state. Good
luck on your quest.
From "Don't let a previous mental health claim ruin your health
insurance prospects" by Vicki Lankarge - insure.com:
"What if it's already too late for you to pay cash for your
antidepressants or counseling sessions. Can you still get individual
health insurance? It's possible, say the KFF study authors, but it
will probably take a great deal of persistence and there are no
guarantees. Even if you are offered a policy, it will inevitably be
more expensive than group health insurance and it will no doubt limit
or even exclude certain coverages.
"The best you can do is to fill out any applications for individual
health insurance to the best of your ability and be truthful. An
experienced health insurance broker who knows the underwriting
criteria of several individual insurers may also be able to increase
your chances of acceptance.
"If you're denied, ask your doctor to write a letter supporting your
re-application, particularly if you are no longer taking medication or
receiving mental health treatment. "When we did the study, we found
that there aren't any hard and fast underwriting rules," says Pollitz.
"There's a great deal of variability from insurer to insurer."
"Additionally, once you are denied, you will have to answer "Yes" to
the question that asks you to disclose whether you — or anyone to be
covered under your policy — has ever had an application for life,
disability, or health insurance "declined, postponed, rated up,
modified, or terminated."
"Although a previous rejection sends up a big red flag to the insurer,
Thomas says that if you can provide medical records that show you're
no longer taking medication or attending counseling sessions (as well
as a doctor's letter supporting your case), you may sway the
underwriter to issue the policy.
"Individual health insurers have to compete for customers like
everyone else, says Thomas, who was once a small group health
insurance underwriter. "Millions of people have some kind of past or
present pre-existing condition, so not every individual insurer can
deny every single last one of them," she says."
SEARCH TERMS and RESULTS:
"mental health" insurance no pre-existing exclusion [Google search]
://www.google.com/search?hl=en&lr=&ie=ISO-8859-1&q=%22mental+health%22+insurance+no+pre-existing+exclusion
insure.com - The Insurance Guide Instant Online Quotes Go Front ...
http://www.insure.com/health/hipaa.html
Insure.com search result for "mental health"
http://www.insure.com/search/sitesearch.cfm?search=mental+health
"Don't let a previous mental health claim ruin your health insurance
prospects"
http://www.insure.com/health/mentalpreex.html
HIPAA - Your Rights to Health Insurance -The Health Insurance
Portability and Accountability Act of 1996 (HIPAA)
http://www.ushealthplans.com/hipaa.shtml |
