exclusions to mental heath or behavior therapy

beauflow · Aug 07, 2011 at 11:48 AM

my insurance has an exclusion list and it says:
Mental heath treatment and behavior therapy are excluded (except where state mandated)

Am I reading this correctly? that they won't pay for therapy unless law mandated.

Thanks! I guess just wonder about clarity... I would call them but they seem to not understand what I am asking when I do and then give me bs that makes it more convoluted.
Still looking for a place did some emailing this weekend to some groups to see if they could help me.... Friday I was told no help from the county mental center, but they are ''looking into it'', I don't think I will get help there with how the lady was acting and what she was saying..

Aug 07, 2011 at 02:48 PM

Hello, beauflow. Here is the link to the Colorado Division of Insurance. There are contact numbers. You should be able to get your questions answered there.

http://doraapps.state.co.us/Insuranc...s/contact.aspx

beauflow · Aug 18, 2011 at 05:50 AM

Thanks again TheByzantine!
I wrote them an email- sorry I have issues with phone calls some days- even though I work where I have to answer the phone (Lol).....
I was fortunately enough to find a local mental health facility of non-profit that took in people with no insurance I had to explain to three people about my insurance and brought in what I was reading, seems like two of them understood it.

I wish there were easier ways to get help some days. I do get why it is hard in away but at the same time I am and I know a lot of others are stressed which makes this even harder.

nicoleb2 · Aug 18, 2011 at 01:48 PM

I understand your frustration. The cost, even with insurance to get mental health care is extremely high. I have a $7700 bill from a couple of hospital stay (and that's only from one hospital affiliation) and that was WITH insurance. Makes me think twice about ever seeking hospital treatment again.

I sincerely hope you can find the help you need at a price you can afford

wiprwill · Aug 27, 2011 at 12:06 PM

I understand how frustrating it can be will be wishing you the best of luck

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TheByzantine Guest Posts: n/a	Aug 07, 2011 at 02:48 PM #2 Hello, beauflow. Here is the link to the Colorado Division of Insurance. There are contact numbers. You should be able to get your questions answered there. http://doraapps.state.co.us/Insuranc...s/contact.aspx
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wiprwill Member Member Since Dec 2009 Location: Mt Washington,OH Posts: 64 14	Aug 27, 2011 at 12:06 PM #5 I understand how frustrating it can be will be wishing you the best of luck __________________ Wiprwill What sane person could live in this world and not be crazy Too Many drugs to list
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