Eleanor Carruthers turned 67 in March and made the choice that millions of new Medicare enrollees make each year — she signed up for a Medicare Advantage plan rather than Original Medicare with a supplement. The plan in Tampa offered a $0 monthly premium, dental coverage, and a gym membership. Eleanor did not anticipate needing … Read more
Hannah Bergstrom’s HR rep told her, with cheerful certainty, that her Aetna HMO was “great coverage.” Hannah, a 29-year-old elementary school teacher in Minneapolis, took her first therapy job seriously. She found a clinician who specialized in postpartum mental health. The clinician was excellent. The clinician was also out of network. Hannah called Aetna to … Read more
Diane was forty-four, a bookkeeper in Cleveland, when she got the call about her son Eli at 11:47pm on a Tuesday. He was twenty-two. He had used heroin in a parking lot behind a Dollar General with a friend, and the friend had recognised the blue lips and called 911 instead of running, which was … Read more
The Bill That Should Never Have Arrived You found a therapist. You verified that they accepted your insurance. You attended sessions for two months. You were finally making progress. Then the bill came. Not the usual 30copayyouexpected.Abillfor30copayyouexpected.Abillfor1,200. The insurance company denied every single claim. The reason code on the explanation of benefits read: “Service not medically … Read more
Diego Salazar’s mother had been calling Medicaid offices in Houston for ten days when she finally cried in the kitchen. Diego, 19, had returned from his first year of college with what the campus counseling center described as a major depressive episode and possible bipolar features. The family’s Medicaid coverage was through Texas STAR. Diego’s … Read more
Donovan Pierce was twenty-six the first time his mother Eileen sat in a Sacramento courtroom and listened to the words “incompetent to stand trial” being spoken about her son. The petty theft charge that had brought him into the criminal system was almost beside the point — Donovan had been hearing voices for two years, … Read more
Maya, a 34-year-old graphic designer in Portland, Oregon, sat in her therapist’s office holding a wedding invitation she had not opened. Her younger sister was getting married in Charleston in six months, and Maya already knew she would not attend. The decision had taken three years of family estrangement therapy to reach. Her father, a … Read more
The Screen Between You and Your Therapist Two years ago, the idea of having a therapy session from your living room felt strange to most Americans. Today, millions of people cannot imagine going back. The pandemic forced a massive experiment in mental health care delivery, and the results surprised even the skeptics. For many conditions, telehealth works … Read more
Priya Ramanathan made twenty-three phone calls in two weeks. The 34-year-old graphic designer in Sacramento had just been diagnosed with PTSD after a traumatic motor vehicle accident, and her trauma therapist’s intake coordinator had told her to find an EMDR-certified clinician on her Blue Shield HMO. Twenty-three calls — twenty-three voicemails, full inboxes, “not accepting … Read more
Priya was thirty-four, an associate at a corporate law firm in Houston, when she had what she was certain was a heart attack on a Wednesday afternoon at 4:18pm. She was in her office reviewing a draft contract when her chest tightened, her hands started tingling, her vision narrowed at the edges, and her heart … Read more