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It's not only mental health these days. For many years we had excellent insurance. It cover 100% and we had no co-pay. A few years ago we had to start paying so much a week, but the coverage was still good. Last year they went to 80/20 after a $500 family co-pay, which would be ok except I cannot figure out their math. We paid the $500 when our plan year started but I keep getting these huge bills!
One son had pink eye (something I was not familiar with at all). He had been sick for days and suddenly puss started seeping from his eyes at 8 pm. I'm not an ER kind of person, but I paniced and took him to the ER. Traditionally our co-pay for non-life threatening ER visits is $50. We got a bill in the mail for $210. His twin also got pink eye but it happened during normal business hours so I was able to take him to the clinic and our portion of that bill was $150.
Our insurance insists on physicals for all adults. My college aged daughter went in to get her physical to keep her coverage and that co-pay was $180.
I don't know about anyone else, but I cannot afford medical care and we have medical insurance. All my wages last month went to co-pays.
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I've been married for 24 years and have four wonderful children.
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