Zoloft is often denied coverage because it treats disorders that are usually excluded from coverage or are considered pre-existing conditions. If you need to take Zoloft for an extended period of time, make sure your provider will take care of the cost for you. If you decide to take Zoloft, you should be aware that many insurance companies will refuse to pay for the cost of medication. There are no concrete rules, however. You will need to contact your insurance company to find out whether you will be able to receive coverage. Zoloft is a type of antidepressant most often prescribed for obsessive-compulsive disorder, depression, panic disorder, and post-traumatic stress disorder.
Insurance companies do this to reduce loss and increase their profit margin. They do not want to cover medications like Zoloft because they will be paying for drugs for years to come. If you are lucky enough to have mental health coverage as part of your policy, you might find that your premiums and deductible increase as a result. Insurers try to avoid risk by providing coverage to people who are healthy and therefore unlikely to file claims. Insurance providers prefer not to cover mental disorders because they require ongoing treatment. Severe mental disorders can also harm yourself and others.
It is important to note the number of visits that you are given each year, whether you pay a separate deductible, and the exclusions on your psychological health coverage. As long as you are able to step back and look at these elements, it should be easy to get the coverage that you deserve. You should check to make sure that the psychological coverage that you get doesn’t require a referral from a doctor or employee group plan, as well as whether you are required to choose from a preferred list of professionals in the mental health field.
To find out whether your health insurance provider covers Zoloft and other mental disorder treatments, you will need to look through your contract. The schedule of benefits should provide a clear outline of which services are covered. If you do not see what you are looking for, try contacting your health insurance provider for more information. You want to make sure that your medication is not completely excluded from coverage before you file a claim. If anti-depressants are clearly excluded from coverage, you can decide whether you want to cut your losses or find a different insurance company.
You should make sure to keep copies of all applicable paperwork and conversations with your insurance company. Also try to find research that supports your need for Zoloft and send that to your insurance provider. If your appeal is denied repeatedly, try contacting an attorney for some legal advice. Your attorney might advise you to sue or to talk face to face with the company. You might have to appeal several times to see results, however. You should always appeal if your first claim is denied. Insurance companies often reverse their initial decision if you provide them with a good enough reason.
Sean L Johnson is a journalist for Health Insurance Buyer a referral service that connects consumers to the insurance carriers that can best fit their wants or special needs. Click on link to access your free instant quote for health insurance which will Cover Mental Health Rx.