DQ: I realize that I was lazy when I wrote about my H not wanting to be tagged as "crazy," and then didn't explain further. With health insurance, decisions about coverage are partially made based on past claims. The more claims you have on your health insurance, the more opportunity the insurance companies have to claim "pre-existing." Let's say he is in the system as someone who has been in counseling most of his adult life, and then later when he doesn't work for a corporation, he has to apply for his own coverage. This information very well may affect what is available to him as well as the cost of his plan. The information may also complicate future claims if the insurance company tries to claim that the counseling has any tie to a "pre-existing" condition. The world of insurance is not really our friend, I'm sorry to say. It is what it is, and it is a necessary evil. There is some rationale to where he's coming from, even though I believe that when you need healthcare, you need healthcare and that's that. But my H is entitled to his opinion on the matter.
He's not the only person that I've heard this from, which may be why I accept his stance. My parents, one of my clients (in the pharmaceutical world), and a few friends through the years have all noted that they are careful about what they submit through insurance for the very same reason. I'm no insurance expert, but I am glad that I've been healthy most of my life so that my insurance records show me as "low risk." That is, until I go crazy from my lacking sex life.
I hope this makes some sense, even though it all makes no sense. If the insurance world did make sense, MC and sex therapy would be covered because the companies would accept that maintaining marital health and sexual health actually keep other parts of our health intact (eg, less alcohol and drug abuse, increased overall physical health from connecting with our loved one through intimacy...)
