Mental Health all covered by Insurance

[Caylin_Sierocki]

All Mental Health should be covered by all insurance. Mental health is health and arguably, the most important. Most of the issues in our country are due to the state of our mental health. Most people know they are depressed, anxious, or have an idea that something is wrong mentally and want help but just can’t affordable the out-of-pocket cost. Therapy and other mental health services should be covered in full by insurance, not just after the deductible is met for adults, elderly and children. The overall happiest and wellbeing of the people of our country matters.

[Commonsense3]

It is not arguably the most important, that is a point of view I disagree with.
Mental health is such a wide parameter . I know of teenagers who have literally no real mental health issues who drs willingly give them drugs for the disorders so they can claim Ssi and not have to work and then scream and yell when they don’t get their own way and blame it on their mental health issues .
Then there are those who truly do have mental illness . But why give priority and full payment for that issue why not heart issues , diabetics or disabled children . No I am sorry you can not do that it is totally unfair on so many levels

[Caylin_Sierocki]

There will be people in every system who abuse it but more would benefit from it.

[Commonsense3]

So what about the parent who has a disabled child who will have a lifetime of bills why not pay all their expenses instead?
You have to think where the money for this is going to come from. You pay all one groups bills another groups premiums or co pays will go up as they will be paying the same as if Medicaid covers it taxpayers will pay more . I just do not see your justification

[DRSE (eagans)]

Before adding any other care to Insurance we need to be realistic about the function of Insurance. Insurance is a for profit business that caters to the stock market investors. That is their primary stakeholder. They do have expenses and they also have a goal of making profit. They cannot pay for everything. Therefore, they must deny claims. Why does everyone want to hand decision making over to this type of business for people who are not Doctors to make their healthcare decisions?

The following really needs to be addressed prior to having insurance cover anything else:

Stop Insurance Corps from coming back for enormous amounts of money after approving a claim

Insurance Corporations use a practice of approving claims for a number of patients then months later coming back and saying oops we don’t approve that claim give us the money back. These are very large sums of money such as $25,000 or $50.000. This puts an enormous financial harship on providers who own small clinics and even puts some out of business. If they approve a claim in the first place how is it suddenly not approved? It’s because they want to keep more money. It has nothing to do wi…

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Independent Review of Insurance Corporations denials

There should be a review of how Insurance Companies are denying claims. This should include how the decision was made and who made it. What was the education and qualification of the person or people who denied it? Did they have the same level of education as the Provider? That includes if the Provider is Alternative Care they cannot be reviewed by an MD who is not trained in Alternative Care. It must be equivalent in decision making. If it was how did the Provider come to the conclusion exa…

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Doctors determine medical care not insurance companies

Doctors should determine treatment and care. Insurance companies should never determine medical care. Insurance companies currently determine type of care and deny care with out any training in medicine, all doctors, including alternative care, chiropractic, functional medicine doctors and nurse practitioners should determine appropriate medical treatment along with patients. that should include all natural forms of medicine, and treatment not just synthetic drugs and surgery. Patients are c…