To determine the extent of the health insurance coverage benefits which protect you and your family, you will have to examine your policy carefully. Check your co-payment requirements . Check your hospitalization benefits . Many policies limit benefits if you are hospitalized for treatment of a mental illness. These limited benefits may not pay half of the actual cost of hospitalization.
Many policies limit the number of treatments.
If you are not sure about the benefits provided in your health insurance policy, check with your employer's benefits department, with your insurance agent, or with your attorney. Major mental illnesses were once thought to be the fault of someone in the family, and other equally ridiculous ideas. Now we know that they are due to brain disorders in structure and biochemistry, similar to Parkinson's and Alzheimer's. New drugs have made most of them responsive to treatment, and the sooner the treatment the better the results. Many people still do not seek treatment early enough because of stigma, ignorance, or lack of insurance coverage.