Most people with mental illness work very hard to keep their symptoms under control with medications but continue to experience setbacks the way a person with epilepsy can continue to experience seizures in spite of good medication compliance. Blood levels are required also. Also, mental illnesses are not covered very well by insurance. There are yearly and lifetime maximum benefits. There is a max on the number of times a year you can see the doctor or how much can be spent on hospitalization.
Outpatient is covered very poorly.
If you have the misfortune to become disabled by mental illness while you have a well paying job with benefits, the maximum benefit for disability pay is two years in a lifetime. This is SOP for every health insurance policy I have seen. I read this forum sometimes to see the articles written about medications even though they are not prescribed for the same reason. It has been informative and beneficial. Previous Article Return to Main Article Article complete.