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(284 posts)
Fri Apr 7, 2017, 09:56 PM Apr 2017

Be careful selecting your plan every year if you get insurance through the marketplace.

This is my 3rd year getting a marketplace plan, and before that I was on my parents' insurance. Every other time, my copay for therapy has been the same as my specialist copay, so I assumed that would be the case with all plans. Turns out the real info on mental health care was buried deep within the longer version of my explanation of benefits. The marketplace shows you a benefit summary, but this didn't mention anything about mental health costs...I thought a mental health care provider just fell under the same category as a specialist.

Turns out there is a deductible I have to meet before my insurance will cover any therapy at all, and then after that, they pay a percentage rather than me paying a copay. The result is I'm not able to afford therapy until at least next year. This was the worst possible year this could have happened between Trump's election and personal circumstances. I've been an anxious, depressed mess and don't have many options for dealing with it other than crying a lotand reminding myself I'll hopefully have new insurance if the GOP don't take that away in X number of months.

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Be careful selecting your plan every year if you get insurance through the marketplace. (Original Post) butdiduvote Apr 2017 OP
Thanks for the useful advice, butdiduvote. elleng Apr 2017 #1
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