In the U.S., people typically pay out of pocket for Ts, pdocs, and psych meds if they don't want a searchable record (sometimes they do this for insurance purposes but more likely for job and government job clearance purposes). Not being truthful on your health insurance application is fraud BUT, under obamacare, an insurance company can't drop you if you made an honest mistake when filling out the forms (which in my book includes omission). If you apply for group health insurance through your job, and they detect a record of mental health diagnoses, AND you had group health insurance prior to signing up for the new group health insurance, they can't bar you from joining the new group because of HIPPA and now because Obamacare and the preexisting conditions clause in the law. That says that no health insurance group or individual can discriminate based on preexisting conditions come October 2013 (not to sure on the date, but it's going to happen soon). and no insurance group or individual, can charge you more than others in your age bracket just because you have an MH diagnosis.

Now, the key issue here is the health insurances that are beholden to Obamacare. There are some that are NOT beholden to the new law (mine, for example) where all the old rules apply. in that case they can discriminate against you because of MH, charge you more, etc. These kind of plans are the exception though so I would just ask if you consider signing up if they are grandfathered or not. Hope this helps.