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Dr. Bob is Robert Hsiung, MD,
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Posted by alexandra_k on January 24, 2004, at 1:53:59
Hello. I am considering moving to the US in a year or so to do grad. study. I have been diagnosed with BPD etc etc and have a history of past attempts, hospitilisations, and general high level usage of mental health resources... I am doing a lot better and I think that I am progressing well with my T - but I don't think I am going to be 'cured', or not requiring therapy by the end of the year.
My question is about my prospects for obtaining health insurance that would pay for me to get therapy on an outpatient basis. Would I be considered to have a pre-existing condition and so not be covered for this?
I would especially appreciate it if people could pass on something that I could follow up (especially online). I figure that if I can't get insurance to cover this then I need to forget the whole idea...
Posted by DaisyM on January 24, 2004, at 12:24:15
In reply to health insurance?, posted by alexandra_k on January 24, 2004, at 1:53:59
It is my experience that it completely depends on the type of insurance. If you are planning on gettng an individual plan, absolutely, you have a preexisting condition. There may be "only" a 6 month wait to get covered, however. Things are very different from company to company.
If you join a group: either through a job or through something like Kaiser (do you know Kaiser?), you'll have better luck. They usually have higher rates because they have to cover everybody in the group, no matter what they have. Insurance is so complicated. The other consideration is where you want to live. I live in a kind of rural area (North of the Golden Gate) and we have less provider choices.
BUT, if you are going to a fairly large University, they are most likely to have a health center and mental health resources for students. I'd check with them also. I know the UC system here in California offers students low cost health care in addition to on campus resources.
Good Luck!
This is the end of the thread.
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