I guess one issue is about whether the number of sessions is PER DIAGNOSIS PER LIFETIME or PER LIFETIME SIMPLICITOR. That makes a considerable difference because there is much elbow room when it comes to diagnostics (as there also is with a number of other (general) medical conditions.
> In NY Timothy's law was enacted to end the discrimination practice of providing unequal insurance coverage based on diagnosis. It mandates that insurance providers covering any health care services must also provide coverage for mental health and substance abuse services, and that coverage and cost must be "on par" with all other health care services under such a policy.
My health insurance company excludes neurology so as to qualify as having 'treatment parity'. Psychiatric and addiction issues are thus treated comperably to other (general) medical conditions - to neurological conditions, for example, which is to say that there is no coverage at all.
One concern with 'treatment parity' is that it will come about by way of more (general) medical conditions coming to be equally excluded... Maybe... 'Treatment parity' isn't in the interests of consumers after all...
Is the insurance covered by your job or do you purchase it independently? Might be worth looking into alternative insurance options if you pay for it yourself. Check out exclusionary criteria in particular (e.g., for a particular diagnosis that has been treated in x amount of time since there is scope for alternative diagnosis with psychiatric disorders - as there is for some (general) disorders).
Alternatively... I've heard of people seeking out alternative employment opportunities on the basis of health insurance coverage. That might be another options... Sounds like you have a year or so to decide???
|