Getting coverage for mental disorders can be difficult, depending on the insurance company. Many health insurance providers treat mental disorders as pre-existing conditions or simply deny all claims related to a mental disorder. Unfortunately, medication is often treated the same way. Anti-depressants such as Prozac are seen as a high-risk factor that could lead to expensive claims later on. This means that people with bulimia, panic disorder, depression, and pre-menstrual dysphoric disorder must pay the bulk of their medical expenses out-of-pocket. Many insurance companies do not offer any form of mental health coverage, and those that do charge exorbitantly high rates. If you need treatment for any kind of mental disorder, you will need to be patient and persistent.