It’s November now, and that means that it is, once again, time for open enrollment in the health insurance marketplace. This may come as a subtle reminder for some of us, but for others it can be life-saving. According to the American Foundation for Suicide Prevention (AFSP), “research shows that more than 90% of people who die by suicide have a mental disorder at the time of their deaths.”
People with mental disorders often need treatment and do not realize it, I personally have been one of those people myself. In fact, my counselor continues to insist that I should get on Latuda for my mental health issues. However, after many years of experimenting with medical drugs and having my brother die while taking prescribed psych medication, makes me hesitant to jump on that train very quickly.
Aside from how I feel about meds, there are lots of you out there that need ‘em, and badly too! Now is the time for you to get medical coverage, so you can start getting healthy and move on with your life. If you’re ready to do that, the AFSP Webinar on Obtaining Mental Health Insurance Services has some great information and resources to get you started.
If you are not ready to take the plunge into the marketplace quite yet, consider this:
- It’s the law. You need to have coverage in order to comply with the Affordable Care Act. People who choose not to get covered end up paying a penalty at the end of the year. So why not just pay for health coverage?
- Life is unpredictable. The average cost of a hospital visit will put anyone without insurance in the red, big time. If you break your leg this winter, you could end up filing for bankruptcy in the spring.
- Federal law now requires mental health services in health insurance plans. This means no extra work trying to figure out if your meds will be covered by your plan.
- There are different levels of coverage, depending on your needs.
- With the tax credits that are available, most plans are reasonably affordable.
- If it’s still too expensive…People who are considered to be living under 100 – 400% of the poverty line can usually qualify for some type of government assistance, such as Medicaid or Medicare (65 and over).
Now that I have convinced you why you need to sign up for health coverage, keep in mind that open enrollment ends on January 31, 2016. Special circumstances may allow you to enroll throughout the year but now is the prime time. So get signed up, before the holiday rush and tax season. By the time all that stuff is done, you know won’t want to deal with your insurance too. Take care of it now, you will thank yourself later.