|
|
| *Loan,banking and credit>>>health insurance |
My insurance plan doesn't cover mental health and I need a psychologist, what do I do? |
Hello, I asked a question a few days ago in Answers about whether health insurance covers psychologists. I talked with Cigna (My health care provider through Healthy New York, the state's "affordable" insurance plan for the uninsured). They sent me a list of psychologists and after many calls, I was finally able to secure an appointment. Since then, I found out that Healthy New York does not offer coverage for mental health. I have been back and forth on the phone between Healthy NY and Cigna all morning. I'm willing to pay a higher preminum for psychological coverage, but both of them are saying there's nothing that can be done. I really need a psychologist, is there anything I can do? I'll provide details as they're needed. Cigna should be separate from Healthy New York and Cigna IS the Mental Health coverage of state plans. So someone is giving you the runaround. However, why do you need a psychologist? The reason I ask that is this: Is it depression? Is it a traumatic experience? Did you have a head injury? In other words, is it something you can see a NEUROpsychologist for. If so, then the standard is that a NEUROpsychologist is NOT mental health, it is covered under Health/Medical because they test to arrive at a MEDICAL (not mental) diagnosis. If Cigna sent you the list then they do cover those psychologists. Stick with it until you get satisfaction. Cigna, like I said, is the mental health network offshoot of medical plans. ***ADDED NOTE:*** - Do you have an Employee Assistance Program (EAP) through work? If you do, seek out the EAP Program Coordinator. They can help you. I would say that your last resort is to find someone and set up a Payment Plan with the billing department (as long as you do that and you're paying "something - I think the lowest is $10/mo) on your bill then they can't sue you. Source(s): work for neurologist and neuropsychologist Nor should it cover it - they're not going to help you. The vast majority of so-called "mental" problems have to do with personal failing or being the victims of others' cruelty, of which psychologists don't have a clue, and which they probably won't address. There should be several groups in your area (they are everywhere) that work with you based on your income. Start with your local yellow pages. Good luck. wow, that is terrible. Here in Canada I can go see a therapist at the community mental health for free.. I even got my kid into child therapy for free (turned out I was concerned about nothing)... but I didn't have to pay a dime. Don't you have any offices like that where the government pays their wages and it is free to the public (all you have to do is run your problems by an intake worker and they accept or deny you... but they always accept)? Nothing like that? The other thing I'd suggest is to get better covered and don't tell the company why. Once a company knows they will pay out, they dont' want you to use them, lol. That is what they are there for, but you need to increase your coverage or get a new plan with a different company... you may have to wait 3 months for it to kick in... but don't tell them why you want a premium package... make it sound like you want it just in case.. I don't know if that will help. I heard the states has terrbile health care.. like you even have to pay to get treated in a hospital and stuff!! alot of churches give free counselling too If you search around you will probably find one that will take you on a slidind scale.So say you bring a certain amount of money a month they go by what you make and that is how you are charged.If it gets to bad try a county that you live in and they have people that can assist in your crisis.Hope you know that what ever it is you are going threw that there is nothing that God does not see or hear.Prayer does amazing things for people. |
| Tags |
| insurance marketing insurance policies insurance premium insurance settlement health insurance medical insurance healthcare insurance dental insurance travel insurance auto insurance |
SiteMap--Copyright/IP Policy--Contact Webmaster For personal non-commercial use only. |