I understand your H's concern about the insurance thing, however I don't think it is legal anymore for insurance co's to "discriminate" based on "mental health status"....those records are supposed to be private due to HIPPA regulations. For instance, it is not legal for anyone to deny employment/coverage/etc. based on someone's having been prescribed an anti-depressant Rx. That used to be a question, if you can believe it, on old employment applications. Times have changed. Besides, mental health care is not like an unfinished root canal or pregnancy, so I don't think it would be classified "pre-existing condition" by anyone anymore.
My H works for a large company and his HR referred him to an EAP (Employee Assistance Program) coordinator for info on MC/ST, however they only provide for 3 visits and they have their own list of providers. The regular PPO (I think it's Cigna) will not cover MC or ST either, but get this.... The EAP lady advised him to refer to the Psycology providers because they do cover 45 visits/year for mental health. You have to have a "diagnosis" like anxiety or depression, but I think I DEFINITELY QUALIFY FOR THAT!!! The trick is finding a psycologist that will work with you and your H in that fashion, but Ms. EAP says that it is one way to "work" the system to get what you need from your benefits.
