Marketplace Mental Health Plan Comparison: How to Pick HealthCare.gov Plans for Therapy

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Brianna, a 34-year-old freelance graphic designer in Austin, Texas, sat at her kitchen table last November with four browser tabs open and a half-cold cup of coffee. She had been seeing a trauma therapist twice a month for almost a year and knew she needed to keep that going. Her old employer plan ended December … Read more

Mental Health Day Treatment for Adolescents: After-School and Summer Intensive Options

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Maya was 15 and had been quietly losing weight since the previous October. Her parents in suburban Atlanta first noticed in November, when her ninth-grade school photos came back and her mother saw the hollows in her cheeks she had been hiding under bulky sweaters at the dinner table. By February she had missed 23 … Read more

Acute Withdrawal from GHB and Date-Rape Drugs: Why It Mimics DTs

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Reggie was a 38-year-old graphic designer in Long Beach, California, who walked into a small community hospital on a Thursday afternoon complaining of insomnia, anxiety, and an “overwhelming feeling that something was about to crawl out of my skin.” Triage assessed him as a routine anxiety presentation. He was handed a cup of water and … Read more

Cooking and Mental Health: Culinary Therapy and Food as Medicine for Depression

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Priya, a 34-year-old hospital social worker in Providence, had not cooked a real meal in eight months. After her mother’s death, the kitchen turned into a place of frozen pizzas and apology. Her therapist, who specialized in grief and depression, suggested something specific. Not a meal plan. Not a diet overhaul. One pot of dal, … Read more

Mental Health Carve-In Plans: Integrated Behavioral Health vs Carved-Out MCO

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Yvette, a fifty-eight-year-old retired postal worker in Houston, Texas, lived with type 2 diabetes, mild heart failure, and a thirty-year history of bipolar II disorder. For most of her life, her medical care happened in one universe and her psychiatric care in another. Her cardiologist sent her labs to an electronic record her psychiatrist could … Read more

Insurance Pre-Authorization for Mental Health: How to Avoid Approval Delays

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Marcus, a forty-one-year-old account manager from Charlotte, North Carolina, had finally agreed to enter a residential treatment program for his alcohol use disorder. His therapist found a bed at a respected facility for Monday morning. On Friday afternoon, the admissions coordinator called with words Marcus did not expect to hear: the insurance company needed to … Read more

Special Needs Trust and Mental Health: Protecting SSI Eligibility for Family Members

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When Eleanor died at seventy-nine in her Sarasota, Florida, condominium, she left behind a thirty-eight-year-old son named Daniel who had lived with schizoaffective disorder since college. Eleanor had been careful her whole life. She had saved methodically. She had worked with her bank to draft a will that left Daniel half her estate, about $190,000 … Read more