Lamar Odom’s cry for help illustrates value of mental health care, coverage

There is a greater emphasis on recognizing and receiving treatment for issues such as grief, anxiety, and depression, all of which fall under the umbrella of mental health.

There is a greater emphasis on recognizing and receiving treatment for issues such as grief, anxiety, and depression, all of which fall under the umbrella of mental health.

Lamar Odom is in critical condition in a Las Vegas hospital after reportedly losing consciousness while indulging in a weekend filled with drugs, all while battling untreated mental illness.

Lamar Odom is in critical condition in a Las Vegas hospital after reportedly losing consciousness while indulging in a weekend filled with drugs, all while battling untreated mental illness.

By Charles Glover, Jr.

As people flock to social media to offer prayers for former NBA star Lamar Odom, who won two championships with the LA Lakers and is now fighting for his life in a Las Vegas hospital, his struggles with drug addiction and untreated mental illness have surfaced.

 

Mental Health Awareness week was October 5 – 10, but the importance of receiving the necessary treatment for mental health issues cannot be understood in a week. There have been concerted efforts by many advocates and associations to preach the significance of addressing issues that impact mental health and encourage individuals to seek help, instead of suffering in silence.

Mental Health awareness week may have just ended but the issue of dealing with mental health issues is a daily struggle for many.

Mental Health Awareness Week just ended but the issue of dealing with mental health issues is a daily struggle for many.

One of the major impediments to receiving mental health treatment is the perception that the treatment is too expensive.

Many people are unaware that most health insurance plans now include mental health care as part of the basic plan. In fact, thanks to the Affordable Care Act, mental health can no longer be used to exclude individuals from coverage.

new adAccording to Healthcare.gov, “all Marketplace plans cover mental health and substance abuse services as essential health benefits.”
All healthcare plans must cover:
•Behavioral health treatment, such as psychotherapy and counseling
•Mental and behavioral health inpatient services
•Substance use disorder (commonly known as substance abuse) treatment

These inclusions are designed to reduce the financial impact of receiving treatment for many issues that fall under the umbrella of mental health. Among those issues that qualify as mental health concerns are grief, anxiety, and depression as well as other more severe diagnoses.

A list of diagnoses covered under mental health.

A list of diagnoses covered under mental health.

The other huge impediment to receiving mental health treatment is the stigma many feel is associated with being diagnosed with a mental illness.

This concern is recognized as being a considerable problem in the African-American community which is why education and awareness is so vital with this issue. Untreated mental health conditions can lead to suicidal and homicidal thoughts and actions.

Acknowledging that there are personal problems that are beyond your understanding is a good step in the right direction. The next step is to contact your insurance advisor and make sure you have a plan in place to deal with mental health concerns.–OnPointPress.net–

Charles Glover, Jr., your Insurance Advisor, is a senior writer at OnPointPress.net and a Licensed Insurance Professional working with HealthMarkets. 

Contact me directly at (646)309-1938 for your health insurance questions and concerns

Health insurance is highlighted during Breast Cancer Awareness Month

Many people are unaware of the costs associated with fighting cancer. Take the time to learn how you can be prepared for the worst case scenario.

Many people are unaware of the costs associated with fighting cancer. Take the time to learn how you can be prepared for the worst case scenario.

By Charles Glover, Jr.

The bombardment of neon pink on your television screens and in your neighborhoods is a reminder that October is Breast Cancer Awareness Month. The goal is to encourage everyone to be proactive and visit their doctors to try and prevent cancer growth, in addition to helping fund research for cures for cancer.

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The desired goal is to prevent cancer from spreading by having it detected as soon as possible, but there are too many people who still have to cope with that dreadful diagnosis. While many have become aware of the physical toll a cancer diagnosis can have on a family, the financial toll should not be understated.

Let Breast Cancer Awareness Month be a reminder to be proactive with your health and plan for your family's future.

Let Breast Cancer Awareness Month be a reminder to be proactive with your health and plan for your family’s future.

This fall, when you speak to your health insurance agent, ask about ways you can be protected if you or a family member is diagnosed with cancer. Many people do not realize that most health insurance plans only offer limited assistance in case of diagnosis of cancer. For many people, the cost for a second opinion, experimental treatment, or treatment at the best facilities in this country becomes an out of pocket expense.

The unfortunate reality is that there are countless people who have had to use all of their savings, borrow money, sell their possessions or their homes, to fund their recovery efforts. However, there are very affordable plans available to assist individuals and families faced with fighting cancer. So while you’re wearing your pink in acknowledgement of Breast Cancer Awareness Month, remember to contact your insurance advisor and protect your finances and health at the same time.–OnPointPress.net–

Charles Glover, Jr., your Insurance Advisor, is a senior writer at OnPointPress.net and a Licensed Insurance Professional working with HealthMarkets.  Contact me directly at (646)309-1938 for your health insurance questions and concerns

3 Health Insurance tips to prepare for open enrollment after job loss

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By Charles Glover, Jr.

Adults confront many challenging options in trying to maximize income and secure adequate health insurance coverage to protect their families. Yet the issue of healthcare extends beyond receiving the best care, it includes paying for those services. After a life-altering event, such as a job loss, preparation and proactive measures are essential to proper healthcare planning, especially as the November 1 start of the open enrollment period looms.

In the state of Georgia there are hundreds of people dealing with job losses each week. This has a serious impact on each individual in the household and raises many concerns because unresolved healthcare needs can be stressful, and many people find themselves scrambling for solutions. If you or someone you know has recently lost their job and need health insurance coverage, follow these steps:

Losing your job is beyond stressful as it can make it difficult to deal with basic needs. Talking to a healthcare professional can help ease those medical concerns.

Losing your job is stressful and makes it difficult to provide for your family’s basic needs. Talking to a healthcare professional can help ease medical concerns.

1. Assess the immediate health needs of the family.
Some medical issues are more pressing than others so it important to know what medical concerns need to addressed first. This knowledge will help narrow your search for the proper care and coverage.


2. Speak with a licensed insurance professional.
Many people have familiarity with health insurance, but there are plenty of nuances that exist within the complexity that is the healthcare system. Speaking with a professional is akin to meeting with an accountant during tax season. It much more likely that all of the concerns of the family, including the need for supplemental and life insurance, are addressed.

3. Have a budget set aside to address medical needs.
Employment status aside, healthcare needs can be stressful, especially if there are concerns related to paying for medical services. Unfortunately, many people will not receive the proper medical attention they need because they think they cannot afford it. A meeting with an insurance professional can help ease the expected financial burden by exploring the most affordable coverage for the family.

ad smallHealthcare concerns are heightened when someone loses a job but it is important to remember that without your health nothing else is possible. In addition to these tips, learn about supplemental and life insurance when you speak with a licensed professional. Affordable healthcare can be just a phone call away. Part two of this series continues next week.–OnPointPress.net–

Charles Glover, Jr., your Insurance Advisor, is a senior writer at OnPointPress.net and a Licensed Insurance Professional working with HealthMarkets.

Contact me directly at (646)309-1938 for your health insurance questions and concerns.