Insurance Health Insurance

Mental Health Care & the Uninsured

Health insurance has been one of the most important topics in American politics for decades.
Many attempts have been made over the years to reform healthcare, including the ongoing (as of late 2009) Obama administration healthcare debate.
Of the many issues of importance in the healthcare debate, the concept of a "pre-existing condition" has proven especially troublesome.
In the insurance industry, it has been common practice for some time to deny healthcare coverage to people who already have a documented medical condition.
From a business perspective, this is a way for insurance companies to reduce the financial risk they incur when they offer an insurance policy to someone.
Since the company is shouldering much of the cost of medical treatment, they see patients who have ongoing, recurring treatment needs as a liability.
This practice is highly controversial and draws much criticism.
Some people support it because it purportedly provides a greater degree of financial security to insurance companies.
Should the insurance companies suffer greater losses by allowing these people, they argue, they'll have to charge more for policies to make up the difference.
One of the primary criticisms of denying coverage to people with pre-existing conditions is that it excludes many of the people who need insurance the most.
Anyone who has to suffer from a life-altering condition is already under a burden, both personally and financially.
If someone with such a condition loses insurance coverage for more than about two months, many insurance companies will deny them coverage outright, leaving them in the cold.
As of October 2009, the leading healthcare reform bill contains stipulations that would ban insurance companies from denying coverage due to pre-existing conditions.
Although it has apparently proven a useful strategy for insurance companies, many Democrats and Republicans as well criticize it as a cold-shouldered way of prioritizing profits over human suffering.
Whether or not the reality of the situation is that dramatic depends on interpretation, but safe to say it has sparked a lot of debate.
Of the people denied coverage due to pre-existing conditions, people who suffer from mental health problems are especially at risk.
Ongoing medicinal treatment is one of the primary ways of combating mental illness, and affordable access to prescription medicine can make all the difference between someone living a normal, healthy life and their condition taking control and destroying their lives.
The homeless are disproportionately mentally ill.
The effects of some mental illnesses can be so severe that holding down a steady job without regular treatment can be nearly impossible.
If these people are unable to receive the care they need, they can sometimes find themselves in situations they are incapable of escaping.
But this need not be the case.
By working with the experienced agents at Option One insurance, you can learn more about your Texas health insurance options.
With their assistance, you can find the plan that is right for you.
Insurance can be costly, but with a little research you can find a plan that's affordable and has the coverage you need.
Get in touch with the Texas health insurance experts at Option One today to learn more.

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