Insurance for mental health issues has trouble sort of like for dental; only people who need it are in the group so it's not really "insurance".

Insurance is for "in case" you get sick, not if you are (why often pre-existing conditions aren't covered). Chronic conditions like diabetes and COPD one doesn't go to the doctor's that often, it's mostly just meds (and if your insurance covers for meds (mine doesn't) then that costs the consumer more for that reason).

Too, if you pay X insurance dollars a month but go to the T @ $125+ a week, no way they can cover that. That's why Medicaid is so crummy, it's welfare which comes out of taxes which there's only so much of and the more people on welfare or social security and the fewer working, the less the money goes around.