Parents our elections are coming up and it is very important that you vote and call your Senators regarding health care. Currently President Trump has several suits in the Courts to eliminate the Affordable Care Act and pre-existing conditions. Yes he signed an Executive Order, but insurance companies do not have to comply with the Order. The Executive Order are only recommendations so insurance companies can and will ignore it. I have been a psychotherapist for over 20 years and I have seen how the Affordable Care Act has benefited thousands of people. Before we had it, many people were denied or could not afford psychotherapy.
Before the ACA, if you had ever taken antidepressants, your insurance could deny to cover psychotherapy for you or require you to pay a very high copayment. I saw this happen many times to patients I was treating prior to the ACA. Depression and anxiety are considered pre-existing conditions. Also in your insurance contact there is a standard clause that if the insurance company wants to see all your medical records you cannot stop them. I had insurance companies make these requests and I checked with numerous attorneys and the answer always was the same. The way the insurance writes their contract, you cannot stop them from getting all your records from the day you were born. If you refuse, they can terminate your insurance coverage. Insurance companies typically will ask for all your records because if you had psychotherapy as a teenager that is a pre-existing condition. Therefore, they can deny to cover your psychotherapy. They could even terminate your health insurance all together.
What if you have children? If you have a child with Autism, ADHD or if they were ever suicidal, your child will not be able to get insurance coverage or the psychotherapy they desperately need. Before the ACA I had many families in this exact situation. Many would automatically terminate therapy. Research now shows if children with these issues receive therapy when they are very young we can improve the outcome for them as adults. However, without the ACA, insurance companies specify these issues as pre-existing conditions and therefore the child is not entitled to psychotherapy. I often provided psychotherapy to these families at a fee they could afford. However, not every therapist can afford to lower their fees and I can only do it for a certain number of families because it cost money to run a business.
This election and these cases before the Courts could have disastrous effects on you and your children if the pre-existing clause is eliminated. The President has stated he will protect the clause, but his actions indicate he will eliminate it if he can. If this clause is eliminated anyone who has dealt with depression or ADHD will not be able to get insurance or if they can the rate will be very high. Remember if the clause is eliminated it will not just stop you or your child from receiving therapy it will also stop you from receiving medical care. So if you develop long haul syndrome after having the Coronavirus, you will not be able to get insurance coverage. The Coronavirus is a pre-existing condition. Another fact is that 1 out of 5 children meet the criteria for a diagnosable mental health issue (CDC). This means 1 out of 5 children have a pre-existing condition. So parents please vote and call Senators and save the pre-existing condition clause. Please do not trust President Trump to do it.
Dr. Michael Rubino is a psychotherapist with over 20 years experience treating children and teenagers for more information about Dr. Rubino visit his website at http://www.RubinoCounseling.com