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Is their a health insurance that covers mental health without a huge deductible you have to pay first?

I was getting quotes over the phone, they offer 20 visits/year but the deductibles are from 3,000 to 7,500 which you would have to pay first! This was with Blue Shield. The best plan was with a 1000 deductible but the monthly payment was huge. Los Angeles

Public Comments

1. At the end, you will get what you pay for. Blue Cross/Blue Shield is, by far, one of the best if not for nothing else but their ability to provide very reliable product and very reliable service or, for you, the ability to pay, pay on time and pay without making a fuss. But, they tend to have better coverage for larger groups. So, if you go to school or work, I'd check with your HR department and see if you can get into group coverage, flexible spending account or health savings account. Otherwise, I'd look into individual HMO (co-pay instead of deductible but you have to be in the health provider group) or individual health savings accounts. Weight your options and choose accordingly to what is most suitable for your health insurance needs. Never go for price. Go for the quality, meaning, the ability for the carrier to supply you with reliable product and service. Otherwise, you'd end up battling the insurance company for payments. Why go there?
2. Agree with Badger. You could try Delta. Not sure if they operate in your state
3. Check out this site www.thehealthbenefits.net There are no deductible, co-pay, no pre-existing condition require or waiting period. The monthly plan run from 19.95 -59.95 per month. My family and I have this plan and it's way than our Blue Cross PPO or HMO.
4. ok, i work for blue shield. i am not sure what state you are in.. but.. if you are purchasing an indvidual plan, the cheaper ones are ppo and i know for a fact there are some that do not have deductibles and are ppo (in ca). otherwise, you are going to have to choose an HMO as another answerer stated.
5. 20 visits a year is normal. If you don't want a huge deductible, the premium is based on your age and your health. If you're 30 and healthy, you can expect to pay $300 a month. If the mental health issue is pre-existing, they're not going to cover it. If the only reason for health insurance is to cover counseling, you're going to be ahead of the game, paying out of pocket.
6. Youi have some good information already... Some, better than I can give... but then again, I haven't had to really 'shop' for insurance for a while! I DO have to compare. I USED to SELL insurance, but again, THAT has been a while ago... I'll try to give you some 'thoughts...' You might have to be a little 'creative', but it should be CHEAPER if you can get GROUP insurance, as opposed to INDIVIDUAL insurance... And again... some of what you have already been told is TRUE... if there is a 'pre-existing' condition. then NO ONE is going to want to INSURE... (it's like buying Life Insurance, after the fact...) Probably NOT the answer you want to hear, but it IS honest! You may be able to get some 'PUBLIC HEALTH' assistance (and that does NOT 'public assistance Health Care'!) It's hard for me to explain, but if you have QUESTIONS about WHETHER OR NOT it is NEEDED, you might be able to 'get by' with some 'diagnostics', that would carry you through until some insurance would 'kick-in', IF NEEDED!!! Let me take a 'shot' at some 'humor'... I KNOW that SOME people can get 'therapy', simply by reading "Answers!" And maybe that's NOT just HUMOROUS... Reading some of the 'ANSWERS' on Answers! CAN make one LAUGH!... OR 'cry'! I prefer the Happy faces! :) Good Luck!
7. You may have some better options. I used eHealthInsurance.com (full disclosure: I work for them) to pull quotes for a 30-year-old female non-smoker living in Los Angeles and was able to find a couple options that look more affordable. You’ll want to take a look for yourself, of course. After entering your zip code and birth date, click to review all the plans offered in your area and then click again to view each plan’s details – that’s where the mental health coverage information is listed. I was able to find at least one Kaiser plan, for example, with a $500 deductible that covered 20 visits per year with a $20 copayment, after the deductible is met. The monthly premium was less than $250 a month. Of course, this plan might not be a good match for you for other reasons, and the price I mention might not apply for you since your actual premium is going to depend on your age, precisely where you live, and whether or not you have any pre-existing medical conditions. Plus, insurance companies can change rates at any time and if the need for mental health is mentioned in your records, you may be less likely to qualify for a plan with rich mental health benefits. But at least it gives you an idea of what else *might* be available. Of course, the first thing you should do is talk with a licensed agent in your area who can help you understand your options and find the best match for your needs. It doesn’t cost anything extra to work with an agent. You can talk with one of our licensed agents at eHealthInsurance toll-free at 1-800-977-8860. I hope that helps! Amir M, licensed agent.