Healthcare And Insurance Companies Should Be Forced To Cover Mental Disorders, Too.
By Jeff Smith
GOT A PIECE of mail the other day and nearly chucked it
in the woodstove. It came in a white envelope with a cellophane
window, a Post Office box but no name in the return address space,
metered postage and nothing but my rural route number in the address
window. Didn't even claim to know me as Occupant.
It looked like your standard junk mail. Could this be the chance
I'd been praying for to buy term life to pay off my mortgage in
the event of my untimely demise? I just don't know if my soul
could rest, knowing Chase Manhattan was stuck holding my marker
for 40 grand.
As cold and rainy as El Niño has made it these past few
weeks, I could have used the BTUs more than whatever offer the
envelope contained, but rather than incinerate it I opened the
letter and saw it wasn't junk mail after all, but a bill from
my shrink.
This being the first such missive I have received, it surprised,
then amused me somewhat. The closest thing to porn I've ever found
in my mailbox was a Victoria's Secret catalog, so I'm not accustomed
to the plain brown wrapper routine. Maureen and Jackie at the
Post Office already know that my tastes in literature run to gun
and motorcycle magazines. I've got nothing to hide and no way
to do it if I did, so how come Palo Verde Behavioral Health feels
the need to be coy about our professional relationship?
I guess even the docs themselves are somewhat stigmatized by
the spectre of lunacy.
So I was pleased to read that same day that Herschella Horton
finally has succeeded in getting her bill a wider hearing before
the Arizona Legislature. Who hears a Horton? It was the House
Banking and Insurance Committee last week, reporting about HB2580--which
would force insurers to pay for healthcare of the mental variety--by
a bare 5-4. But after five years of trying and running into walls,
the District 14 Democrat is tickled. "This is a time for
celebration, after all the years and all the tears and all the
heartaches for the families," Horton said.
We'll see if the festive spirit continues when the bill is heard
by other committees, on its hopeful path to the floor of the Legislature
as a whole. I suspect it will be another year, another legislative
session before it gets that far.
Why? Two reasons:
One, the insurance industry is in it for the money, and money
not spent covering claims for mental and emotional healthcare
is cash in the bank, and;
Two, society at-large--and the Arizona Legislature as a sampling
of society's mentality at-small--still tend to regard afflictions
of that portion of the anatomy above the neck as shameful, sinful,
embarrassing, unmanly, and somehow self-induced if not outright,
shall we say, imaginary. (Them imaginations are only in your head.)
Which is how come many insurance carriers have for so long been
able to get away without covering mental health.
Not all of them take this medieval tack, but enough to warrant
concern, and it's in small group health plans, or individual policies
where benefits already are marginal, and premiums high-priced,
that most offenses are found. Horton's bill simply would require
insurance companies to provide the same coverage for mental disorders
and substance abuse that they do for physical illness.
Of course "simply" ain't always simple. It's simple
to point out that mental illness really is physical illness, since
your head is a physical part of your package and chemical imbalances
up there make you bummed or crazy the same way toxins in your
tummy make you barf or bad stuff in your bloodstream makes you
dead.
Yeah, but it ain't like a broke leg, say Arizona's lawmakers,
nor do they want to encourage dope smokers and such by getting
them help to kick it. Never mind that most state legislatures
are among the most notorious bunches of drunks outside of Shriners'
conventions.
We've got to get off this moronic mind-set or we're only going
to get more mental than we already are. Which is a lot.
I myownself am a proud investor in a nifty little product called
Zoloft. I don't know what its generic name or chemical formula
is, but I know that after years of watching my mood sort of slide
into the mud, and trying the old New England Puritan family formula
of booting myself in the butt, I studied up on the chemical component
of clinical depression and decided to see my doc about it. She
said take half of one of these every morning and call me in a
couple of weeks.
I called back and said I didn't feel like fragging myself, but
I wasn't exactly euphoric either. She said take a whole one and
call back later.
I called back and said I was feeling more chipper, except for
the diarrhea. She said knock it off and we'll try Paxil. The thin
dirties persisted, plus I was lazy and shiftless. We went back
to Zoloft and more psylium fiber and eventually things leveled
off and firmed up. I'm much better now.
The point is, that after taking a couple of 100-mile-an-hour
hits in the head, a pair of cerebral hemorrhages, a divorce, half
a hundred birthdays and way too much chocolate and caffeine, my
body and brain chemistry had got out of whack. I could feel the
blues coming on like a freight train full of bad drugs, running
through my veins straight to the brain. Those of you with any
experience with recreational hypodermics will know what I mean.
There's only so much even a Ralph Waldo Emerson can accomplish
by himself in the face of such demons. Or should have to. Or want
to.
It's not your fault that the air you breathe, the food you eat,
the water you drink and the experiences you live conspire to change
the
chemical makeup and balance of your body and brain. You shouldn't
feel ashamed, and nobody else should dis you for it.
Get help. Get better. Get on Herschella Horton's bandwagon and
get on the Legislature's ass to get on the insurance industry's
ass to treat your head as compassionately as they treat your butt
when your hemorrhoids act up.
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