Many do not realize that those that suffer from mental health challenges may have struggles with “simple” things in life such as health insurance. Those who are healthy and well often take their mental health for granted and do not think about the ramifications of having a mental problem. From the cost of health insurance, to the unspoken stigma of mental health in the community, those who suffer from various ailments often keep quiet and remain isolated as a way to cope. This article will help identify ways in which having a mental health issue can affect one’s health insurance as well as their access to care.
While many think that if you have health insurance coverage, you will automatically be cared for, this is not necessarily true. In fact, there is research being conducted that indicates that if you are an individual in need of mental health care, the access to such care can be limited or have barriers that are in the way of getting the help that is needed.
Sometimes people who are in need of care do not even know it. In an effort to mitigate this problem, people need to be able to access user-friendly screening tools either on their own or from their primary care doctor. This could be done by asking a few questions about one’s mental health every time they go to the doctor for a checkup, flu shot, or other reasons. By providing a screening within the doctor’s office, the patient could have access to potential resources and access to medical personnel in the moment which could prevent future problems.
The number of individuals in need of assistance but are living without proper care continue to skyrocket. Once a person realizes that they are troubled with a mental health issue, they are likely unable to find proper support from friends, family members, and even health care providers. Often times a person who is mentally unstable needs a great deal of support around them in order to function on a daily basis.
While recognizing a mental health problem can be a challenge as well as finding support when you have identified that you are suffering from one, perhaps the most stressful aspect of this dilemma is when you lack the proper insurance that will provide coverage for such care. Further, if you live in a remote area, it may be a challenge to get to a proper health care provider due to lack of available transportation or the cost of travel. Another unfortunate challenge that some face is lack of financial resources to cover costs associated with the care that they need. This is a growing problem and one that is evident by the number of homeless individuals collecting money on the streets.
There is much to learn on the topic of mental health and how it can affect your health insurance as well as one’s access to care. Continue to read more to learn about health care, mental health, and you.