Insurance and Pre-Existing Mental Health Issues?
I have seen a therapist (through my school and then my job), off and on in the past, for issues w/ anxiety and depression. I've never used insurance for therapy, so there is currently no financial record of it. I am now dealing with those issues again, and I've already called my EAP for a referral to a therapist. Thing is, the EAP only covers 3 sessions, and I think I'm going to need a lot more than that, and possibly even medication. So, I'm thinking that after the 3 sessions, I may need to be referred elsewhere for longer-term therapy. I have insurance now through my job, so I can do that, but I'm concerned about going that route because I've heard that a "mental health diagnosis" can be viewed as a pre-existing condition by future insurance companies. If I change jobs down the road, can my new insurance company penalize me for "pre-existing" anxiety/depression? What about if I ever have to purchase my own insurance, instead of getting it through my employer? I need to deal with my anxiety, more than anything else, but I don't want to end up paying huge premiums in the future... and right now, that thought is causing me MORE anxiety! Any advice?