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Wrong Channel's avatar

Hi man, I’m sorry to hear you’re going through that. I’ve been there myself, and I know how impossible clawing your way out of it is.



The thing that helped me the most was regular exercise, even it’s just the immediate top up of endorphins.


Also, as annoying as it, to both hear and practise, meditation helped me a lot. Just sitting on a chair for 10 minutes a day, and focusing on your breath. Normally I spend about half it thinking about what a twat I am - and then remember to focus. Even that, over time, has an effect. Or maybe try these audio ones, which are a bit more bearable. This one is the only one I’ve found that doesn’t prohibitively irritate me. https://youtu.be/pL02HRFk2vo



I heard on a podcast, where I get all my uninformed, unsolicited advice from, that fish oil has been shown to have an impact on it too. Fish oil with a 1000mg of EPA a day. So I do that as well. It’s not going to solve it, but can’t hurt.



I don’t know what the appropriate sign off to encourage someone to go depression-wrestling is - but give that bastard hell!

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Bill Coffin's avatar

I respect your humor and would respond with a joke here, but since we’re talking about your mental health, I’m going to put on my elbow patches as a guy who used to cover the insurance industry for about 25 years.

The short version of this is that you are best off paying for mental health care out of pocket and skipping the gauntlet you just ran. Because this isn’t just Kaiser. Pretty much all health insurance plans will do this to you.

Here’s the long version:

After the Sandy Hook shooting, I published a series of articles on how the U.S. health insurers actively discourage the use of their services for mental health care. To them - Kaiser is not unique here - putting you through hell to get substandard care is a feature, not a bug. It is meant to discourage you from getting the care they owe you contractually and for which you have paid.

The reasons for this go deeper than the insurance industry’s general disdain for its policyholders. Historically, health insurance underwriters (who are NOT medical professionals; they’re just bean-counters) conflated mental health care with drug and alcohol rehabilitation services. As a result, they excluded this care from as many policies as possible because rehab has a terrible loss history (owing to the recidivism of addicts in general). This is hurtful ignorance on the part of the insurance industry, but that’s the insurance industry for you.

However, the Mental Health Parity and Addiction Equity Act of 2008 prevented health plans from providing less favorable provisions for mental health care than for other medical issues, like, say, heart disease. Obamacare further amended this in 2010 to extend that protection to individual health plans as well. That included requiring insurers to provide affordable plans even on those policies meant to be so cheap that anyone could afford them.

Insurers responded by crafting policies where either a) the deductible for mental health care was so high that you effectively pay out of pocket for the whole thing anyway, or b) the policies that were gold-standard enough to provide really good coverage for mental health care were themselves so expensive that if you could afford them, then you could afford to pay for mental health care out of pocket. They did this mainly because they’re jerks. Nice people generally don’t excel in the insurance business.

This reality varies by state. 99% of insurance legislation in this country is on the state level - which bugs the hell out of European insurers, BTW. And insurance (health or otherwise) is regulated like a semi-utility. You need the state’s permission to bring a product to market, change its price, or even leave the market. Insurance is NOT a free market product.

Some states are much worse than others when it comes to providing mental health care through insurance (Texas, I’m looking at you). When I did my deep dive on this, I recall that CA was all over the place on this because it had a pretty diverse insurance marketplace and a certain degree of respect for consumers.

But the ultimate result is that health insurers simply do not prioritize mental health care. They do not want you using their services for it. They will not deliver good service to you. They will make you run an exhaustive gauntlet so they you eventually just give up. Which is something somebody with less than 100% mental wellness is highly likely to do. This is not a coincidental effect. This is intentional on the part of insurers.

If you can pay out of pocket, do. There are plenty of therapists out of system. And if you’re paying them directly, you’ll be amazed at how available they become, because it’s as much of a pain for them to get paid by insurance companies as it is for you to be covered by them.

We are not facing a crisis of practitioner availability so much as we are facing a crisis of people seeking services from a system that very much wants them to fuck off. Pay out of pocket, if you can. At the very least, it will remove the stress of navigating a hostile system.

This is a process. And you’re not alone in it. And your health matters.

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