I have an HMO, which would sound like a bad deal, but in actuality it has really worked well. My therapy and pdoc appointments are covered like any other medical specialist, so I pay a co-pay at each visit. There are no limits to the number of visits. Hospital stays are covered like any other hospitalization and I've never been forced to discharge because I'd been in to long or anything. Mental health insurance issues are handled through a special service with the insurance company, so the case managers, etc. seem to be well-versed in assisting with mental health insurance issues. All in all, I have no complaints.