People who are suffering from bipolar disorder are not exempt from the other problems of life. Like everyone else, they are experiencing unemployment, bankruptcy and other factors that determine what type of healthcare a person can receive. However, unlike most others, manic depressives have a disease that requires medical attention. But for those without health insurance, there are two schools of thought. There are those that pay cash for their healthcare, and then there are those that do nothing. Both parties are not making the best decisions for their well-being, whether it’s in regard to their mental health or their financial portfolio.
Health insurance companies must be sure that the patient is able to pay for the policy premiums as well as any out of pocket expenses that will be left after applicable costs are covered. The first thing that will be verified is the employment status of the bipolar patient. Once the diagnosis is made and treatment is to begin, there are a few specifics that the health insurance company will likely require before they will cover any bipolar treatment. Bipolar is a mental health disorder that is characterized by wild mood swings that alternate from extreme happiness and elation to severe depression and sadness, even suicidal.
No phone calls or paperwork are needed with these networks. Instead, a person fills out their information on an online form and from there the results are returned instantly. If a person does this enough times, eventually they will find a provider that can cover their condition. For all these reasons, manic depressives need to find health insurance that covers bipolar disorder. If they cannot get what they need through group coverage, their best bet would be to conduct extensive research on every healthcare provider in the U.S. Sites offering health insurance quotes are the best way to do this.
If the patient has not had any hospitalization, either inpatient or outpatient in recent months, that alone may serve to answer the question of how often hospitalization may be required. The health insurance company has to weigh the risks of insuring such a huge risk, that is the reason for the exhaustive research and questioning. The insurance company will also likely ask the exact date of the bipolar diagnosis, who diagnosed the patient and when was the last manic episode. Typically all of these questions can be fully answered in great detail by the medical records, so the insurance company will likely request copies of all available medical records.
Bipolar patients have to jump through many hoops to secure insurance coverage, but it can be done. This type of information is indicative of how much medical care the patient needs and if the current treatment plan is working or if it appears that doctor visits and medication changes happen often and therefore the cost of the patient’s medical care will be higher. How often have new medications or a change in medications been needed? The effectiveness of the current medications will be weighed against the medical history. The last thing that will be checked into is medication for the bipolar patient
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 the link to access your free health insurance quote that covers your bi-polar treatment