What is the best health insurance for the treatment of mental illness?

[mdmc]

Which health insurance provider is the best when it comes to covering mental health treatment?

The answer may surprise you.

[slackmaster]

1. None - I can treat most mental illnesses for free

I practice Corrective Phrenology.

:spank:

[Midlodemocrat]

2. Except that isn't the way it works. The employer

determines the level of coverage, not the insurance company. You could have a top of the line United Healthcare package and a scrape the bottom of the barrel United Healthcare package. The insurer offers a product range and the employer or the customer determines the level.

[mdmc]

5. Assume the highest quality of coverage, my friend.

I know that insurance companies offer multiple coverage policies. If "United Healthcare" is a provider, then post what there "top of the line" coverage includes.

The question is - Which provider offers the highest level of coverage for mental health treatment? Which plan is available with the greatest coverage?

[Midlodemocrat]

8. I misunderstood you. I thought you meant private insurance companies.

The answer is Medicaid. Once you are a federally covered life, you wouldn't believe the things that are no charge to you. It's the best insurance available, even with the Managed Care carve outs.

[mdmc]

14. peace

peace and low stress

[rox63]

3. Medicaid

I have a friend who is on disability for mental illness. Not only does Medicaid cover her therapist, psychiatrist and meds, but it is also covering a day-treatment program that is doing wonders for her. I don't know of any private insurance that would cover that much.

[Midlodemocrat]

4. You are of course, correct. I made the assumption that the OP meant private insurance.

[mdmc]

6. You know your stuff my friend

peace and low stress to you and yours. God Bless your friend. :hi:

[bobbolink]

15. And, low stress to you, also. Peace.

That is a wonderful greeting for people.

As this is a great thread... good info.

Thanks. :hi:

[mdmc]

16. my pleasure

my friend

[kineneb]

9. my vote, too

hence the reason I am appealing my SSI rejection (don't have enough work hours for SSDI, I was too depressed to work)...

[mdmc]

10. please keep in mind that when you are ready to get off ssi/ssdi

that you can opt to keep your coverage (you will need to pay, but it will be less then your crappy private insurance + copays) if you still have mental health issues to deal with.

Peace and low stress and good luck with your appeal.

Remember SSA mission is to give the right check, to the right person, and the right time.

For your appeal to be successful be sure to provide information -
1) regarding your health (mental or physical)
2) regarding your inability to complete "gainful activity".

The best way to get the #2 data is to request supporting statements from people that didn't hire you or fired you. They know why you can't work (or why you can't work for them). Just let them (previous employers / potential employers that didn't hire you) that you need the info to get disability insurance and that you are not looking to sue them + are willing to sign a statement absolving them from lawsuits.

Peace and low stress and good luck my friend.

[Seedersandleechers]

7. Is the person who needs treatment

able to hold down a job? Unfortunately some are not and therefore can not get coverage through an employer.

[mdmc]

11. most people don't realize that medicaid is the best mental health

coverage available short of being elect to congress.

The OP was asking what the best medical coverage is for mental health. The best coverage is medicaid (what we give to people that can't afford health insurance). There is no private insurance that comes close to medicaid.

[Tierra_y_Libertad]

12. The one that won't drive you crazy getting coverage. But, as an ex-counselor..

And, having to deal with a number of insurance companies and their "gatekeepers", Blue Cross - Blue Shield, was the one most likely to, at least, provide coverage without as much hassle, or downright refusal - despite what they promised.

[librechik]

13. United Healthcare paid 80% on an outpatient therapy program for my kid

that was a 10,000 dollar charge--Cognitive Therapy Intensive 10 week program.

We wound up paying under $1000 for the whole thing--it was worth every penny!

Amazing!

Thank you UnitedHealthCare--which, frankly, has been extremely decent to me and my family, from top to bottom.