Introduction
Group health insurance plans are one of the most attractive ways of attractive potential employees. Every employee loves perks, and group health insurance is one of the best ways of providing the kind of perks that can attract talent into your company. Now a days, there are millions of people who are suffering from mental illnesses. So, these companies these days should provide insurance mental health. There are millions of people suffering from mental illnesses but the only reason why they cannot get treatment is because they don’t have sufficient funds to afford mental health related issues. Therefore, group health insurance mental health is a great form of perk, since it allows those who can’t afford the treatment with the opportunity to pay for mental health professional. Considering the kind of stress we all go through, anyone of us can develop a mental illness. This increases the importance of an insurance mental health.
History
Mental health issues go a long way back into the history of mankind. Because of the lack of medicine advances, especially in the field of psychology and mental health, little is known about mental diseases in the past. However, there’s a lot of evidence that shows people to have mental illnesses in ancient civilizations. Ancient Hindu scripture of Ramayana and Mahabharata provide descriptions of depression and anxiety states. Mood disorders have been described in the psalms of David, even. Later in the middle ages, the Muslim empire and the Christian Europe also explored the possibilities of a mental illness. But the real breakthrough came in the modern times that showed how depression and various mental diseases are in fact inherited by us. Before that, the environment was blamed for creating depression. Now it’s realized that clinical depression is actually inherited.
Features
Considering the amount of pollution, synthetic food products, and our lifestyle, people have developed lots of diseases, especially various kinds of mental illnesses. Anyone can be hit with a mental illness, which can get worse if due treatment is not given. This makes the need for insurance mental health greater. In insurance mental health, you only have to a portion of the cost of the actual treatment. This percentage varies from company to company, but it is always significantly small as compared to the actual cost of the treatment. However, as the amount of visits increase, the percentage of coinsurance also increases because it increases the perceived risk of insured. This is why anyone with a mental health has to pay higher premiums for his insurance mental health. The coinsurance amount can increase up to 50% of the actual cost. In most cases, insurance mental health is declined for those who have a history of mental illnesses because of the increase in perceived risk.
Tips and comments
Insurance mental health has become very important considering the number of affected by mental illnesses. The performance of an individual directly depends upon his/her mental state. So companies should provide its employees with Group Health Insurance in regard to their mental health. Individuals too should apply for insurance mental health. It’s better that when considering the use of services like psychiatric services, you should speak to your health insurance provider to discuss the detailed clauses regarding the provision of such services. Moreover, before getting any form of health insurance, detailed coverage information should be asked for, especially concerning those with mental health.
