Mental problems with no insurance Posted: 06-10-08 06:57am
Thank you for taking the time to read my
post. I've come to eHealth because it
seems like a great place for people
discuss these sort of things.
I strongly think that I might have some
sort of mental inbalances and/or disorders
(hopefully not but not trying to be in
denial) - I've done some basic research
and have come up with a few diseases that
sound possible.
I have no health insurance as I "work"
from home on various websites, blogs, and
that sort of thing. I really want to see a
doctor to get fully checked out but I'm
afraid of doing this with no health
insurance, I read that once you're
diagnosed with something it's harder for
someone to insure you.
I'm trying to compare my options but I'm
so lost and confused as to what I should
do, I don't know if I should just get my
own insurance now and then go to the
doctor hoping for the best or if I should
get some type of job with good benefits
and be under the umbrella of the companies
policies and plans.
Do you have any suggestions on my case?
Maybe I'm overthinking this too much but
at the same time I really can't help it.
I'd love to find out if there really is
something going on once and for all. I
know I can physically do this at anytime
but I really don't need more financial
problems in my life.
Thank you
Matt Martin
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antigone
Moderator
Joined: 27 Jan 2008 Posts: 998 Location: IL
Thanks: 49
Thanked:18
Posted: 06-10-08 22:25pm
Matt,
Unfortunately, insurance companies will
not cover you if you have a pre-existing
condition. My niece has bipolar disorder
and when my sister tried to get coverage
for the family they would not cover my
niece.
I would suggest you get coverage before
you get a diagnosis. The insurance company
can not deny coverage if you are not
diagnosed with any condition until after
you have coverage. Additionally,
medications can cost quite a bit. You will
need to have follow-up appointments with
the doctor if you have any disorder. Many
people opt to go see a psychologist to
help with coping and social issues. This
can get pretty expensive.
I hope this helps. Insurance is expensive
but trying to pay for a life long
condition out of pocket gets very
expensive.
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Tmddyan
Moderator
Joined: 13 Jun 2006 Posts: 4426 Location: post falls, id usa
Thanks: 99
Thanked:68
Posted: 06-11-08 13:07pm
i completly agree with antigone-----you
may also want to visti our insurance forum
and ask around about it there
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Georgia59
Supporter
Joined: 11 Apr 2007 Posts: 5557 Location: Along the Mississippi, USA
Thanks: 90
Thanked:32
Posted: 06-16-08 15:35pm
I agree. My state has a state insurance
program that offers low cost insurance to
self-employed or un-employed or low income
people- perhaps your state has something
similar? I'd suggest getting on it and
then seeking a doctor.
