Sickness is commonplace, some say because of environmental factors. From the water we drink, to the foods we eat and to the air we breathe. Our world is so contaminated that we are not safe from sickness-causing germs. Unfortunately, we cannot afford to be sick because we are in the midst of financial crisis, but despite this excruciating fact, people still manage to get insurance covering health and mental health problems.

In applying for life insurance, the insurance company will be looking for applicants that are physically fit. Most likely, people with severe illness like cancer, diabetes or mental health disorders are disqualified. As we all know, mental health disorders can suddenly hit someone and sometimes will be worsen despite the treatments applied. Because of this, insurance companies do not take risks in giving insurance to this kind of person and will decline the application. Insurance can also cover mental health services, but insurance companies will hire their own therapists and encourage them to follow cost reducing policies. Even if the therapist wants to continue the treatment, they cannot do so. They will want to end the treatment because they are afraid they will not earn anything from the insurance claim amount. In these cases, the fact that the treatment is for the betterment of the client is forgotten. For clients that have used insurance to cover a longer time of treatment, they may be rejected from renewal of the policy. For people who no longer take medication or need mental health treatment, they can re-apply but they must ask their doctor to write a letter supporting that they are no longer taking medications or mental health treatments. It is best to apply for disability insurance when you are stable to avoid the conflict if you are ever diagnosed to have a severe illness.

To avoid problems of your insurance being declined, it is better to pay out of your pocket. When you are self-paying, you can choose your own therapist and contact the therapist directly. This is unlike when you are using your insurance, the company just provides small list of therapists and the therapist will be contacted first by the company then the client. Secondly, your personal information must be kept secret and the length of the treatment is decided by you to make sure of better results. Lastly, the therapist can lower the charge at their discretion if they feel that the client has a low income.

In general, mental illness and mental health issues are very common and insurance companies are facing these cases all the time. Just like any other illness, you cannot get the insurance while you are in the middle of a crisis or you have recently been in hospital. Thus, it is better to be healthy and stable in life when you apply for insurance. You must be in control of your life and your illness to have a better future. Insurance has advantages as well as disadvantages to your life. If you analyze the pros and cons you can see that insurance can be a good backup but it is better to pay out of your pocket for cheaper medical concerns so that insurance can be use for more important and expensive problems. We all know anything can happen to us at any time, so it is better to buy insurance and save ourselves from a serious financial disaster.