Health Insurance – Mental Health Coverage

Xanax is a medication used to treat various forms of anxiety. People suffering from anxiety disorders, panic disorders, or depression-induced anxiety often suffer a chemical imbalance in the brain that triggers the telltale symptoms. As a member of a group of drugs called benzodiazepines, Xanax acts as a sedative to calm the patient and provide relief from anxiety symptoms. Symptom control using Xanax is much the same as other medications such as Valium or Ativan. However, patients may find themselves exposed to difficulties in terms of getting their health insurance to cover such prescriptions.Since Xanax is used to primarily treat psychological health disorders, coverage for treatments and prescription medications used to treat mental health disorders may be excluded from standard health insurance policies. Mental health coverage varies widely from one insurance company to the next. Some companies will cover psychological health care, provided the primary care physician referred the patient for psychiatric treatment. Other policies will cover a limited number of doctor visits with a therapist or trained psychiatrist, but offer little in the way of prescription drug coverage. Still other insurance companies offer no mental health care coverage, or require a separate mental health care rider.Unfortunately, when a patient requires treatment for anxiety with medications like Xanax, they may not even know whether their health insurance plan covers mental health care. Likewise, most do not know the terms of any psychological health insurance coverage they do carry. This is commonly the case with many chronic conditions such as psychological health disorders, cancer, and other high risk health problems. Patients are blissful unaware of what illnesses, injuries, or chronic conditions they ultimately find themselves diagnosed as having. Unfortunately, that also means they are caught unaware when they realize they have little to no coverage for their condition.In terms of Xanax specifically, many insurance companies will cover the prescription even without specific mental health coverage. This is due to the increase in prescriptions written by general practice physicians, gynecologists, and other medical professionals outside of the mental health community. Some insurance companies will cover prescriptions, including prescriptions for anxiety such as Xanax, provided the prescription was written by a primary care physician. If you find yourself undergoing treatment for anxiety or other mental health diagnosis, it would be wise to verify what type of mental health care coverage you have, its limitations and exclusions, and other information concerning financing your medical care.If you need assistance in locating particular coverages at a pre-determined price, we can help you save up to 50% on your health insurance.

Mental Health Sufferers Find Niche in Workforce Through Supported Employment Programs

More than 60 percent of people with a mental illness do not work. Yet, as much as 70 percent of these individuals want a job, according to a Health Affairs article. While there are federal work programs in place, their effectiveness in finding employment for people with mental illnesses is worse than any other disability group. As a result, 13 states and several private mental health centers have taken the initiative by implementing what are known as supported employment programs.Shown to be the most effective method of helping people gain employment, supported employment programs assist individuals diagnosed with mental illnesses find jobs fitting their needs and interests. These programs specialize in finding participants “competitive employment,” which are jobs open to anyone in the community. Working in conjunction with a team of mental health workers, employment specialists aim to help their clients find work as quickly as possible without having to take assessments or lengthy pre-training sessions. Employment specialists locate employment for clients by networking with employers and colleges in the community.Additional aspects of most supported employment programs include:
– Crafting goal-oriented plans highlighting an individual’s interests, strengths, abilities and needs.
– Fully integrating mental health and vocational rehabilitation services.
– Providing employment opportunities tailored to each client that are flexible in schedule.
– Providing job placement assistance to anyone interested in the service.Studies show supported employment programs have significantly higher competitive job placement rates than traditional vocational services for clients of all ages and mental health backgrounds. Additionally, supported employment clients adhering to a steady work schedule have been shown to have enhanced self-esteem and improvements to their quality of life. While these clients still rely on federal health care benefits for support, studies show their reliance on mental health services are less.ChallengesDespite their success, the presence of supported employment programs in the United States is relatively small due to budgeting shortfalls in most states. However, a recent study from Dartmouth College suggests a national support employment system would help the government save as much as $360 million, citing research showing people with mental illness tend to require less treatment when employed.Another challenge is the fact that many people with mental health illnesses choose to remain jobless out of fear for losing federally-funded healthcare benefits such as Medicaid. Those with mental health disorders that do work usually limit their schedule to 20 hours a week to prevent losing their federal benefits.Many proponents of supported employment contend that a federally-backed program allowing people with mental health illnesses to retain their Medicaid coverage would be a win-win situation for all involved parties. Encouraging more individuals with mental disorders to join the workforce will enhance their well-being and reduce their reliance on health services, cutting down Federal health care spending in the process, according to the Dartmouth study. Research also contends that having more individuals with mental illnesses who are competent for employment in the workforce would help stimulate the economy; not only boosting revenue for the government, but helping ailing businesses as well.