[reb569]

I have been following the news a lot recently, probably too much because I think it adds to my depression and anxiety. I just read an article posted by Dr. John about this and I was glad to see his thoughts on this law:
https://psychcentral.com/blog/archiv...mental-health/

I am personally horrified by this plan. I am covered on company insurance (High Deductible Health Plan), but I fear for my daughter, who at 18, with a diagnosis of MDD, Bipolar 2 and Anxiety disorder, is currently unable to work. I can cover her on my insurance until she's 26, and am completely willing to do that, but what then? My hope is that as her treatment continues she will be able to get back to college, start working, or both, and by the time she is 26, will be working a job where she gets insurance. But what if that doesn't happen?

She has been in a deep depression for months now, probably never truly totally recovered from her first diagnosis in April of last year when she was hospitalized. She was hospitalized again for a month in October (Bipolar 2 diagnosis from this hospitalization). Her Pdoc is working hard to find the right combination of meds that works for her, but it has proven challenging. Her meds right now cost $355 a month. Pdoc and Therapist $400 to $500 a month. Bloodwork about $600 per month. Once I've paid out $3500 then insurance will pick up more of that with an out of pocket max of $7000. How can someone under 30, with a $2000 credit, purchase insurance that they would actually be able to use and pay their share of their expenses?

I really hope that this is blocked in the senate.

[Victoria'smom]

This is one of the reasons why disability is there. Try to get her into an intensive out patient program until she can get into vocational rehab, college, or work. Make her health her number one priority. If she has to stop vocational rehab, college, or work then get her right back into IOP. The more psych records she has the better for disability if she needs it at 26.

[reb569]

There isn't much IOP available around here. They tried to move her to one before she was discharged but insurance would not approve it. She sees her pdoc as needed (every 4 to 6 weeks right now) and her therapist weekly. I haven't been able to get her to take part in any other out patient programs.

If she wants to try for disability, I support that, but I am concerned that medical services under medicaid is going to take a big hit over the next 4 to 8 years. Time will tell I guess. In the meantime I'm doing what I can to help her recover. It is my hope that disability won't be necessary and that by the time she's 26 she will be able to work at a job that provides insurance. I know she wants that too.