How to save yourself money on mental health care
- by admin
You may not have heard of mental health, but you can be helped if you have it.
The National Health Service (NHS) has spent billions on treatments for mental health and addictions and in some cases, has managed to bring back patients.
But if you’re a patient who is not in need of medical treatment, you may have been denied access.
Here are 10 reasons why.
Your insurance is not covering the costs of care What is covered by insurance is usually a low-cost prescription medication or a temporary accommodation for a chronic condition, such as depression or anxiety.
But you can get treatment if you are on low income or do not have access to insurance.
In these cases, you should call your insurance company, who can arrange a referral from a specialist.
Your provider may refer you to the NHS to get treatment.
This can be costly.
Your insurer may not cover all your treatment costs and may charge you more than you are entitled to pay.
If this happens, contact your insurer to see if you may be entitled to compensation.
You may have a medical condition that makes treatment more difficult If you have a condition that can make treatment more expensive or difficult, you might not be eligible for financial help.
If you are experiencing an emergency, for example, your health could be in danger, and you might need help accessing treatment.
You might also be eligible if you: have a chronic health condition that means you are at risk of having a serious health condition, or you have had a serious condition that is now in remission and you need treatment; or have been treated for a mental health condition in the past.
Your treatment is not covered by your insurance provider.
This could be because the NHS does not have a clear understanding of what mental health services are and how they can be provided.
The NHS does provide a list of providers and services in its Care and Support Information for People with Mental Health Conditions.
But it is not clear how many services are covered, or whether you need to ask your insurer for assistance.
If your insurance does not cover your mental health treatment, there are other ways to find out.
For example, if you go to the Department of Health’s website, you can search for your mental condition and get details of your NHS provider.
You should also ask your GP for more information on mental illness.
You can’t afford treatment yourself.
If the cost of treatment for you is very high, it could mean you will be put in debt.
This means your care will be much more expensive, and the NHS could refuse treatment to you if you cannot afford it.
If an emergency arises, you could lose your home, car or other possessions, and possibly face eviction.
If treatment is denied because of financial hardship, your treatment may be refused.
You don’t have insurance to pay for treatment.
If mental health is covered, you will not be able to access treatment if your insurance covers only a small amount of the costs.
However, some insurance companies cover a portion of the cost, and this is called “coverage”.
For example the government covers up to 50 per cent of the care costs for mental ill people in England.
If a patient is on the low income, it is likely they may not be entitled for free treatment.
You are being denied treatment because you have mental health conditions.
It is not uncommon for mental illnesses to be treated by NHS psychiatrists and psychologists who have expertise in other areas.
For people with depression or a history of anxiety, a specialist may be able treat you, but it may be harder to find an experienced psychologist who will treat your mental illness in a clinical setting.
Some doctors may only be able access to specialist mental health specialist courses.
You need to find a private health provider for your care.
The most common reasons for being denied care are financial reasons, and people with mental health problems often don’t know how to pay their own way out of treatment.
Many private health providers do not treat mental health disorders and are unable to provide treatment, unless the individual is being treated under their own name.
They will ask for a fee, which they will not pay if you pay for your own treatment.
You do not know your health insurance details.
If someone you know has been denied care, they may be worried about having your information about their insurance details disclosed.
If so, you are encouraged to speak to your insurance adviser about the matter, and to make a claim online.
Your health insurance does include some mental health treatments.
This may include specialist treatments or treatments that are not available in a hospital setting.
If they are not covered, it may mean you do not get treatment at all.
You have mental illnesses that make treatment expensive or impossible.
These can include depression, anxiety, post-traumatic stress disorder (PTSD), post-partum depression, and substance abuse.
If one of these conditions is considered
You may not have heard of mental health, but you can be helped if you have it.The National Health Service…