I work full time but am bipolar and a recovering alcoholic. My medications are very expensive and I just gave up going to psychological counseling because I couldn’t afford it. Will anything in the package help me?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Sep 15, 2020
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
One provision will, upon full implementation, cover your counseling sessions “as any other illness”. That means that if your employer’s plan currently pays for unlimited office visits for regular medical issues, it will also pay for unlimited counseling visits. If the existing plan pays at 80% with no internal maximums, it will also pay 80% for counseling with no internal maximums. Finally, if you have an emergency episode and must go to a hospital out-of-network because it is nearest, you will be covered for that emergency as though you are in-network. The package did not specify prescription costs, so however your employer’s plan covers the RX now will not change because of the healthcare reform packages.