I wonder if the screening criteria are relaxed or in any way different for those who apply for high deductible plans? Seems to me if a applicant was willing to bear the full cost of their Mother's Little Helpers* and the periodic mental health visits associated with them, opting for insured care only in more extreme situations, that insurance companies wouldn't necessarily be adversly impacted by this pool of prospective customers. Ms. Golfwaymore was unable to find coverage of any type, of any deductable, for over a year. Her doctor was even willing to put in writing that the anti-depressant was prescribed as a *test* to combat chronic fatigue, and NOT depression. The insurance companies had no interest in the explanation whatsoever. Additonally, they would not [and will not] merely exclude illnesses associated with depression [or mental health] and extend coverage for anything else because it seems that statistically, at least some percentage of people on anti-depressants hurt themselves, and end up in the hospital which costs the insurance company money. Ms. Golfwaymore is still currently only able to get half-assed coverage which basically does nothing more than gurantee that we can pay "cash" for services at the PPO rate. It's the best that she can get, due to taking pills for fatigue for a couple of months. Unfortunately, I consider us at substantial risk.Golfwaymore
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