Find solution
Question about applying for health insurance?

How to explain therapy on health insurance application?

  • I graduated from a University of California last quarter and now I'm applying for health insurance. For my last year as a student, I took advantage of the counseling services offered at my school. I took part in therapy because it helped me get through the stress of an extremely difficult course load during my last few quarters. To be honest, I would not have gone to therapy if it hadn't been 100% covered by my student health insurance. I was never prescribed any medication, I'm not seeing a therapist at the moment, and I don't intend to start seeing one again any time in the foreseeable future. Obviously, I have no choice but to write that I've seen a psychologist for mental/emotional reasons. The question is how do I explain it so that it causes the least harm to my application? Do you think this is something I should be concerned about?

  • Answer:

    Do mention it and do be truthful. I wouldn’t worry too much. Explain it roughly the way you did here. Explain that you received counseling for a period of time to help with school stress but that you were never prescribed anything and that your counseling came to an end and you’re not receiving any counseling at this time. Tell them when the counseling started and when it stopped. It probably won’t help anything to say that you only got counseling because it was free. If you’re working with a licensed agent familiar with the insurance carrier, he or she may be able to give you some more tips.

Jenny at Yahoo! Answers Visit the source

Was this solution helpful to you?

Other answers

"I would not have gone to therapy if it hadn't been 100% covered by my student health insurance." And, that's why zero deductible plans are SO much more expensive than plans with deductibles. "Saw student counselor at school to talk through tough courses. No medications prescribed and no services needed since graduation." But I would ask the health insurance broker you're buying the plan from how to answer that question. SOMEBODY is getting paid when you buy the plan (no matter where you buy it), so make them earn it.

Insurance Pickle.com

Related Q & A:

Just Added Q & A:

Find solution

For every problem there is a solution! Proved by Solucija.

  • Got an issue and looking for advice?

  • Ask Solucija to search every corner of the Web for help.

  • Get workable solutions and helpful tips in a moment.

Just ask Solucija about an issue you face and immediately get a list of ready solutions, answers and tips from other Internet users. We always provide the most suitable and complete answer to your question at the top, along with a few good alternatives below.