Posted by mair on November 19, 2002, at 21:28:33
In reply to don't feel guilty. » mair, posted by bookgurl99 on November 19, 2002, at 7:35:17
You're right of course, but it still seems sometimes like an embarassment of riches. Several years ago I used up my lifetime cap and essentially stopped going to therapy - but my state passed a parity bill that applies to everyone, not just larger employers, like the federal bill. Now although I run into claims snafus, my basic coverage is so much better than most people's - I mean unmanaged care for mental health is becoming increasingly rare I think. So in a sense I feel that I've been given something of a gift that I shouldn't squander and that I must be squandering since I've been through so much therapy.
BTW - after my state passed a parity bill. it took the major insurer here (blue cross) a couple of years before they changed their literature. My written policy contained the same illegal caps for a long time, although of course the company didn't try to enforce them. I wonder how many people didn't even try to seek care because they assumed their policies didn't really give them what they needed.
Mair
poster:mair
thread:32049
URL: http://www.dr-bob.org/babble/social/20021106/msgs/32514.html