Mental health conditions are usually much less obvious than physical problems. Even though society’s mental health awareness has been growing systematically, there’s still a lot of stigmatization cases at workplaces and among official institutions.
Thanks to the spreading basic psychological knowledge and diminishing fear of going to mental health specialists, more and more of us are taking care of our well-being. More and more of us decide to see a psychiatrist at least for a one-time visit, or a psychologist for a couple of consultations after a life-changing event to avoid serious mental complications.
We do that for our own good, or for our family’s sake. After all, we need good health at every level to enjoy our life fully. Although, can taking care of your mental welfare turn against yourself?
It seems that insurance companies can use it as a rejection argument. With healthinsurance.org we decided to take a closer look at how insurance companies perceive mental health issues.
Sorry — We Don’t Care
It’s a difficult fact. But let’s face it — it’s all about money. Insurance companies don’t care about your welfare. They care about your money, though, and their business efficiency.
Some of the insurance companies are proud to announce on their websites that over 80% of insurance seekers with declared depression, anxiety, and stress issues got their acceptance. How marvelous!
What exactly is hiding behind that wonderful news?
The Unsaid Little Things
So what they say is that over 80% of their potential clients that had informed them about their depression, anxiety and stress problems, got their insurance.
What about people suffering from bipolar, psychotic or personality (e.g. borderline) disorders? And what happened to the 20% left? Why did their applications get rejected?
Diagnosed and chronic mental disorders are perceived as pre-existing medical conditions. It’s a very significant term in insurance regulations. If an insurance company will verify your health state as not stable enough at the moment of application, there’s a very high possibility that:
- You won’t get the insurance with full coverage
- You won’t get the insurance at all
If you’ve never suffered from any serious mental disorders but had the need to visit a mental health specialist in the past years before applying for insurance, that also may be a reason for the company to refuse to give you the wished insurance.
To get the insurance in such a case, you may have to wait another three years to prove that you’re emotionally and mentally stable. That is — no documented panic attacks, depression episodes, or any signs of psychological or psychiatric treatment.
If your mental state doesn’t let you work and you have to select the unemployed box in the application form, you may also expect one of the two answers that we’ve mentioned above, or treat you with a higher fee.
As you can see, insurance companies don’t need much to recognize you as a high-risk customer, and based on that — either reject you right away or draw additional financial benefits from your current situation.
Insurance Discrimination – is an actually existing term and a very common problem. Your application can be rejected just like that — without even explaining the decision carefully to you, and sometimes without a proper, written document of refusal. A company finds you not reliable enough? Next!
This kind of discrimination sustains the sense of mental issues stigmatization among the mentally suffering people. It supports the increase of mental health negligence and the development of fear of getting professional therapeutic and psychiatric help.
It’s a problem caused not only by insurance companies’ strict financial policies, but also their employees. People can be lazy, slothful creatures. They often choose the easy way out without minding other people’s needs and problems. Same thing is pretty common in the insurance decision making processes.
There are a lot of sources and ways to find out the actual situation of their potential clients. And yet, it’s easier to exclude those, whose background would demnad additional hours of researching, analyzing, and prepaing alternative offers.
Happily, we have access to many companies on the insurance market, which offers and requirements vary from one to another. Getting a needed insurance may be a long and frustrating process, but don’t give up!
You’re Not Alone
Remember, you don’t have to go thorugh it alone. If you feel that you were treated extremely unfairly and didn’t get a proper reason of the rejecton, don’t be afraid to write an appeal or contact a legal adviser. Check your neighborhood in search for free legal and social assistance.
Let your family and friends help you. Also, it’s not your fault if your application got rejected. Insurance is pure business, and we all know how cruel and unfair the business world can be. It’s a real russian rulette.
If you have a related story you’d like to share, don’t hesitate to contact us!