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Mental illness coverage will create tipping point

Thank you for the editorial Aug. 4 with the 10-point review of the 2007 General Assembly. All very interesting and worthy of comment.

However, having been in the life insurance business for more than 59 years, and individual/group medical insurance for the past 25 years, the "thumbs up" relating to group insurance coverage for mental illness treatment jumped out at me.

I fully sympathize with those needing treatment for mental illness. My concern is that adding a "bottomless pit" of benefits for an open-ended malady, and the choice-driven drug treatment that will follow, with no real clinical way of determining when one is "well," will escalate the rate at which employers are already abandoning group coverage.

Smaller employers, especially if there is an unhealthy employee, are finding it increasingly difficult to pay escalating premiums.

Marvin Cash
Eden

Comments (6)

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Darryl [TypeKey Profile Page] said:

So Marvin, the "least of these" should no longer matter? Is that what I am hearing in this LTTE?

How are people with mental illness supposed to pay for mental health care if they have no group coverage for same? It is difficult enough to pay premiums, co-pays, deductibles, etc. with group coverage. However, if there is little or no mental health care coverage and one finds one's self in need of such, put the "for sale" sign in front of the house (if one is being mortgaged)!

And Marvin, I would hope that as an insurance rep for 59 years that you of all people would know that health insurance is one of the largest rip-off money-making "necessities" on the market today! How sad that it appears otherwise.

Shalom

6stringsamurai [TypeKey Profile Page] said:

Darryl,

So you believe in the power of natural juices and berries and running will help cure mental illness? Would you say that Marvin is glib?

Darryl [TypeKey Profile Page] said:

6string, I do not discount or discredit naturalistic health "medications." However, not all mental illness can be alleviated with these. So, there needs to be something else. Is that so unrealistic and unwanted that the "healthy" people in society would rather have untreated ill mental health people on the streets?

That is like having an untreated diabetic, etc. on the streets (in a vehicle). You never know what the end result may be!

Shalom

Crime Dog [TypeKey Profile Page] said:

I'll never rebuke anything that was written earlier. However, as someone that has officially been diagnosed with a mental illness, I refuse to hide it from the world and hide in some kind of preceived shame.
I was diagnosed with Post Traumatic Stress Disorder (PTSD) in 1993. This is the results of the death and trauma I witnessed and lived through during time in combat while in Vietnam. Then, I went into law enforcement in the violent arena called Miami, Florida. I've witnessed 5 lifetimes of volent death. The biggest frustrations I go through, is I'm always second guessing the actions I took during those times. I keep thinking if I could go back, I maybe could do something different and someone could have lived, that died! At times, it is completely depressing!
Yeah, I know it's impossible to do so. As a sufferer of PTDS, I have the usual night sweats, appetite disfuntions and other typical symptoms of this illness, including nightmares galore.
After the diagnoses was complete in 1993, I had to learn to live with it. Acceptance was my first hurdle. I worried that the rest of the world would judge me negatively. After about 6 or so months, I realized several facts of life!
1. PTSD is a lifetime illness. It will never go away.
2. I'm crazy to a degree, but it came to me with honor.
3. Being crazy is not being stupid! Hell, I'd rather be crazy!
4. I've never compremised my personal honor, integrity, sense of worth or an ability to set goals and accomplish them.
5. I've never lost track of my intense love for my wife, family and friends.
6. I love my nation, its national colors (flag), and the rest of my brother and sister Americans.
7. I'll never hide my diagnoses. If you have a problem with it...It's your damn problem! Get a grip!
8. This is a good one. There are only 2 types of mental illness. Several sub-titles, but only 2! Those like me that have been diagnosed. And, those of you that are not diagnosed!
This has been another rant from the Dog. And, I'm good at rants. The Dog's outa here
Crime Dog

Darryl [TypeKey Profile Page] said:

Crime Dog, excellent post! What more can be said that has not already been said?

Shalom

Rufus_T.Firefly [TypeKey Profile Page] said:

"I fully sympathize with those needing treatment for mental illness."

Define fully.

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