The company's insurance may cover you for everything but mental health issues. Double check with the insurance rep. We ran into this issue when my husband's worker's comp insurance ran out. We were able to put him on the insurance from work, but they wouldn't cover treatment for his pre-existing condition. After a waiting period (2 years I think it was), they agreed to cover his medical condition. It was a VERY expensive couple of years without insurance for that. Since then he has been constantly covered by insurance, so when we changed insurance, they continued to cover him because he had had documented insurance coverage for a long enough period. So now, we will ALWAYS make sure he is on full medical coverage (either his or mine) so he won't be denied due to pre-existing condition.