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PageWednesday, March 07, 2007
Private health insurance is generally more preventive in coverage of mental illness than in coverage for somatic illness. This was provoked by several concerns. Insurers feared that coverage of mental health services would result in high costs connected with long-term and intensive psychotherapy and comprehensive hospital stays. They also were unwilling to pay for long-term, often custodial, hospital stays that were certain by the public mental health system, the provider of "catastrophic care."
Some private insurers use to refuse to cover mental illness treatment and others simply limited payment to acute care services. Those who did suggest coverage chose to inflict various financial restrictions, such as divide and lower annual and lifetime limits on care, as well as separate deductibles and copayments. As a result, individuals paid out-of-pocket for a higher proportion of mental health services than general health services and faced catastrophic financial losses when the costs of their care exceeded the limits.
posted by renaa
@ 1:02 PM
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