That sucks! There's a law in my state that says all insurers cannot discriminate between mental and physical health. So if you want to provide insurance in this state, you have to include mental health coverage. My university has a center for both kinds of treatment. That's where I get my meds. They also cannot limit your number of therapy visits, just the total amount it costs depending on your coverage plan.

The only drawback. If you've had any lapse in coverage and the university switches to a new provider (which they did this past year and I had to drop out last spring due to health issues, so I wasn't covered for last spring and summer, but was fall '08- spring '09) they can declare practically anything as preexisting until you've had coverage for 6 consec months. They did that on my for my first round of therapy this past winter and I owe some ***** $1,000 dollars because she refused to do a sliding scale. She didn't even want to accept payments until the university explained my situation about thinking I was covered when I wasn't and I was going because I was required to go even though I couldn't afford it. Like $20 is a lot of money even as a copay. I can't stand heartless people whose god is mammon. She didn't even help me with anything. She "deserves to be paid" her words, by a swift kick in the ***.

So that's my experience and I hope the insurance won't be dickheads in the future, although they have paid for some things, they sure take their sweet time on others. Still, I was uninsured for 6 of the past 8 years, and this is much better than nothing.

PM me if you want to move here I'm sure you can find out such things online...state insurance laws that is.