Depression Medication and Health Insurance – Getting Prescription Coverage

Zoloft is an SSRI (selective serotonin reuptake inhibitor) specifically designed to treat depression, panic disorder, anxiety disorders, PTSD, and OCD. This medication has proven to be very effective when it is taken accordingly, but can often cause problems for some people. It’s not the side effects or drug interactions that most people worry about, but the lack of health insurance coverage for this medication and others like it. Many states have created laws to require private insurance coverage for mental health treatment, but they have not been effective at convincing insurance companies that covering anti-psychotic medications is a good idea.

Too many insurance companies see this as a risk that they cannot afford, and will deny prescription coverage to people taking Zoloft and other prescriptions for mental health disorders. What is even worse is that some companies will increase health insurance rates or drop customers if they present with serious mental health disorders because it puts them at a risk level that insurance companies aren’t able to handle. If you are already taking anti-depressants, you need to make sure that you find an insurance company that will accept you.

The medical history

You certainly can’t lie about your medical history. That’s insurance fraud. However, you need to make sure that you are getting the healthcare coverage that you need without compromising your health because an insurance company doesn’t like antidepressants. Group health insurance plans that you get through an employer seem to be much more accepting of mental health issues and prescriptions for depression and other disorders. However, there are some individual plans that will give you the coverage that you need, as well. You have to take the time to find these companies.

Getting coverage with Zoloft

It is like trying to get coverage when you have a pre-existing physical condition like a heart defect. Companies see that you are already sick and they will have to pay for your medical care and prescriptions for sure. That lowers their chance to make a profit and makes you a higher risk because you automatically need their coverage. Between the risk and the danger of addiction with these medications, it can be quite costly to get the coverage that you need. Most insurance companies claim that it isn’t the stigma, but the huge prescription costs of maintenance care with depression, that causes them to turn people away. Either way, there are companies out there that will work with you if you take the time to look.

If you need help finding certain coverage at a predetermined price, we can help you save up to 50% on your health insurance.