Revising Insurance Laws – Colorado
Question:
The Denver Post today has an editorial supporting a proposed bill which would revise some insurance laws. Quoting from the editorial "This bill would greatly help citizens suffering from neurobiological mental illnesses by requiring insurers to cover severe cases of some mental illnesses at the same level they now cover physical illnesses. …And only a few illnesses … <snipped
Pegi, it is good to hear that some states are beginning to recognize that disorders with mental symptoms are as ligitimate as those that have mainly physical symptoms. I’ve always felt that insurance companies treated certain people as second-class citizens. The logic of covering certain chronic conditions, e.g. diabetes, while disallowing others, e.g. PD, escaped me. Thanks for posting this. I wish all of the states would follow suit, so that people with anxiety or other affective disorders can qualify for full coverage. Best wishes, Anita
Response:
The Denver Post today has an editorial supporting a proposed bill which would revise some insurance laws. Quoting from the editorial "This bill would greatly help citizens suffering from neurobiological mental illnesses by requiring insurers to cover severe cases of some mental illnesses at the same level they now cover physical illnesses. …And only a few illnesses would be eligible for the mandatory coverage: schizophrenia, bipolar affective (manic-depressive) disorder, and schizo- affective, major depressive, obsessive-compulsive and panic disorders. At some point during their lifetimes, about 17 percent of U.S. citizens experience one of the illnesses listed in the bill. In any year, about 3 percent of people experience such problems. The point is that modern treatments and medicines can effectively treat many of these mental illnesses – which are often based on physical disorders – and return the patients to productive, taxpaying lives. HB 1192 is a practical and overdue recognition of the reality that many mental illnesses today are just as disabling – and just as treatable – as their physical counterparts." Of course, a person would actually need to *have* insurance first for this bill to help 
Pegi
Response:
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