Hey there, Well, I think that is a quite simplistic viewpoint as well. The point of insurance is that a lot of people pay less money every month in a sum total, which will then benefit those who need medical help during that month. You might not use your insurance much right now, but in years to come I bet you will use more than your premiums worth of insurance costs, and then someone else carries your extra expenses. The question then becomes - what should insurances reasonably pay, and what is beyond insurances payment. Currently many insurance companies pay only towards those who has an identifiable and diagnosable mental health disorder. Therefore - a diagnosis is needed to make the insurance pay. In this case an argument is clearly being made by me that it would not be unreasonable for the insurances to cover more than the bare bones mental health disorders. But of course, there still needs to be a boundary. A place where the insurance says "I will not, cannot pay more than this". If there was no such boundary then insurance costs would sky rocket even further. Examples we have seen in the past are therapists who diagnose people completely wrongfully and then keep them in therapy for years. The MPD / DID diagnosis was very vulnerable for this for a number of yrs. In those cases the clients often were convinced by unethical therapists that they were mentally ill, and their mental wellbeing declined under treatment that can only be characterized as unethical for those yrs. THe therapists got rich, the clients got sicker, making the therapists richer, and everyone else paid for the party. This is of course extreme, but it is also clear that when therapists start fiddling with their dx's then it can quickly become a slippery slope. That said, I also still think that ins. companies should make more mental health treatment coverable. It is simply not reasonable that it is only the rich who can afford therapy and counseling for things that do not immediately require a dx. However, a dx of adjustment disorder will only last 6 months, then the dx will either have to be upgraded once more, you will have to leave therapy, or you will have to pay for therapy. Continuing with therapy just because its nice to have might be stretching what is reasonable for ins companies to pay quite far. Of course, in spite of what you say noone here knows whether or not you have been rightly or wrongfully dx'd with adjustment disorder, or whether or not in 6 months you will require further diagnosing and treatment. I know in this area the best way to get low cost therapy on a sliding scale is to contact a local college who educate therapists. You will get someone in training on a sliding scale. This way you can probably also stay in therapy longer with such a setup, if you have access to it. Good luck. Da Friendly Puter Tech
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