That is why I tried (and clearly have not been successful) in clarifying for the purposes of this thread.

If you have a diagnosis and agree with it and consider that it falls within mental disease or defect that includes mds in taking care of it (mental disease or defect is the wording of the statutes in my state) - then it might be medical for you sort of thing(that does not need discussion of insurance one way or the other for the purposes of how any person sees themselves and therapy.)