How to get treatment for depression without income or health insurance?
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I suspect I am suffering from Depression and I have no health insurance or current source of income - how do I get help? Three months ago I quit my high-paying job due to extreme job dissatisfaction, and with the job, I also lost my employee sponsored health care. I have since missed the deadline to file for COBRA (I live in California). As a result I am currently unemployed (by choice) and without health care. I am 26 years old and am extremely fit and healthy physically (gym 3x at least per week), but mentally I suspect that I am suffering from depression. I was diagnosed with depression as an 18 year old, but overcame it and within a year and a half became happy and healthy again. Within the last two years, however, I have felt "flat," and I feel the familiar pangs of depression - a general all-encompassing apathy, constant anxiety and intrusive negative thoughts, as well as the random urge to cry or hole myself away in my bed. My omnipresent negative emotions and worries, I feel, prevent me from reaching my potential. These feelings partly led to my decision to quit my job, which was only exacerbating my condition. I committed to take time off for a few months to work on personal projects, explore other possible career paths, and to try to handle my negative feelings. I have saved up money (quickly running out) in order to facilitate this plan. I would like to see a therapist and get a diagnosis, as well as schedule regular therapy sessions. In my normal state I am a very vibrant and social person, who has a zest and love for life - and I would very much like to have that person back and get him working again...but I feel I need treatment. QUESTION: So...what is an unemployed person without health insurance to do? How do I go about getting help? I can afford CHEAP health insurance for a few months (100-150 dollars per month). I have looked into Tonik, and am going to give them a call but it is unclear to me whether they have mental health coverage - furthermore, should I be mentioning my condition when calling health insurance companies or will that get me denied or put me in a waiting period for treatment? I assume my options are to see a therapist of my choice out of pocket or to buy health insurance and have them foot the bill for an in-network shrink. In the meantime are there any free or state-sponsored options I can look into? Any help on the matter would be greatly appreciated!
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Answer:
This was my approach: 1. Get the highest deductible, highest percentage coverage you can from Blue Cross Blue Shield (or whoever, but this is what I have). Get a plan with copay office visits and drug benefits. This will cost you in the neighboorhood of $100 a month ($125 with dental). 2. Go see a PPO doctor on your plan for a ~$25 copay. Get a new prescription for whatever meds you need, preferably one that is sold in generic form. 3. Use the drug benefits to get the cheap generics, monthly. Finding an insurance plan was the hardest part, and I avoided it for a really long time. I'm like you -- young and healthy -- and insurance within your ballpark is definitely available. MeMail me if you want some pointers on where to start.
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Other answers
I should mention that many of the plans I looked into didn't offer a mental health benefit but for HMOs like Kaiser Permanente. But if you get the high deductible insurance and can find a sliding scale therapist, it will (hopefully) stay within the range of what you can afford.
JohnFredra
After 45 years of suffering from clinical depression, I found the source of my problem and corrected it. I haven't been depressed for a single day since. It's likely that the same approach will work for you. Get the whole story in my book, $16 at Amazon, but you're welcome to download it free: http://www.scribd.com/doc/13433353/Up-Without-Meds
markcmyers
Where in California do you live? Depending on your location, there may be specific community mental health services available by city or county. Services can be free or at least available on a sliding-scale. If you don't have a formal diagnosis of depression currently, I wouldn't mention it when applying for health coverage. The underwriting process may still ask about previous diagnoses, though (in my experience, sometimes they ask for a 5-year range, sometimes they ask for a 10-year range).
scody
You could take the cheapskate route: pay whatever you must to see a doctor, maybe get some health insurance for a couple months. Get your dosage figured out, then drop it all. Start ordering generics from India over the internet for twenty cents a pill. It'll cost you less than insurance would to pay for your medication.
floam
I'd second the http://www.mayoclinic.com/health/depression-and-exercise/MH00043 for http://www.webmd.com/depression/guide/exercise-depression. Also consider doing some reading online on http://en.wikipedia.org/wiki/Cognitive_behavioral_therapy. Both of these can be effective low-cost ways to address the issue.
leotrotsky
I have some professional knowledge on this. The first thing is that there is no solution for depression that works for everyone. You have to try and see what may work for you. Meditation is not a bad thing to try first. It does help in some cases, and can be a useful like skill in any case. Assuming meditation doesn't solve your problem, I would try next cognitive behavioural therapy (CBT). You would need about 10-12 sessions, so it may be doable on your budget. CBT is the main type of therapy that actually works with a sizeable proportion of patients. It is as effective as drug therapy, and if it works the cure lasts longer (a booster session every 6 months or so is a good idea to keep the benefits). Do not waste your money on generic talk therapy (and certainly not psychanalysis!). It is extremely unlikely to help (never does on randomised controlled trials), and can actually make you worse. If neither meditation nor CBT works you can give drug therapy a try. There are generics to go for, and you can even start with St. John's Wort, which is a mild anti-depressant drug. There are many types of drugs you can try. This could, unfortunately, get expensive. Finally, if all else fails electroconvulsive therapy often works.
Hediot
Also, make sure you do not withdraw socially, or otherwise spend all your time at home. Going out with friends is helpful even if you don't feel like it because of your depression.
Hediot
You can get free counselling at your local church. I recommend Presbyterian (UPCUSA) or some other mainstream denomination because of the strenuous training they receive and the lack of judgemental, evangelical or Jebus-based advice. You don't have to be a member of the church. From what I gather, they're trained in counselling and in helping people find help. This includes finding local social programs that might get you the assistance you seek. Full disclosure: SJP=agnostic leaning towards atheism. Both parents were UPCUSA ministers.
stubby phillips
Different counties in California offer different degrees of mental health services for indigent people. You don't give any indication of where you live, but look for your county mental health system in the phone book. However, given the budget crisis, many of these programs are contracting and don't offer therapy, though they might be happy to prescribe anti-depressents, if that's an interest of yours. Another low cost way of getting low cost therapy is to go to counseling centers run by local colleges and universities. You would typically see a graduate student in training who is being supervised by licensed faculty members. I've supervised many student therapists, and some of them are great and others are meh -- pretty much like licensed therapists. You can always see what the "fit" is like for you, and request a change if you don't feel there's a good match. In any event, these places usually have sliding scales, and you could get services for low cost. FWIW, I think Hediot's dissing of talk therapy is overstated. Many people have been helped by talk therapy.
jasper411
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