Question: My son has bipolar and was in an auto accident a few months ago and hasn't been able to work. He was on his company insurance but lost his coverage. He is looking for a new job but needs health insurance for his monthly therapy and prescriptions. We were going to put him on an individual policy until he gets a job with employer insurance again. The companies we looked at will not cover the bipolar, what can we do? With so many people suffering from mental health issues , it is amazing to me that they don't consider it like any other physical condition.
Answer: As you say, a bi-polar diagnosis makes it virtually impossible to get individual health insurance coverage. Some cases (on a single medication, no hospitalizations), can be covered by Aetna.
The system is really crooked then, why shop for any insurance? They want you to pay on time but what do you get for your money not much indeed.