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Health Insurance for Patients with Mental Illness and Substance Use

(PRWEB) June 24, 2013

Americans with mental illness had a good reason to celebrate when the Supreme Court upheld President Obama’s ‘Affordable Care Act’ last year. The law promised to give them something they have never had before: near-universal pre existing condition health insurance, not just for their medical problems but for psychiatric disorders as well. Health Insurance Guaranteed, a pre existing condition medical insurance company, now offers an Affordable Healthcare plans for those with mental Illness and substance use.

In attribution to article July 2012 - Until recently, people with mental illness and substance disorders have faced stingy annual and lifetime caps on coverage, higher deductibles or simply no coverage at all. This was supposed to be fixed in part by the Mental Health Parity and Addiction Equity Act of 2008, which mandated that psychiatric illness be covered just the same as other medical illnesses. But the law applied only to larger employers (50 or more workers) that offered a health plan with benefits for mental health and substance abuse. Since it did not mandate universal psychiatric benefits, it had a limited effect on the disparity between the treatment of psychiatric and nonpsychiatric medical diseases. Now comes the Affordable Care Act combining parity with the individual mandate for health insurance.

According to the National Institute of Mental Health, nearly 57.7 million people in America suffer from mental disorders in a given year. Affordable healthcare for those with mental illness has become absolutely essential, says Health insurance guaranteed, a pre existing condition medical insurance company.

In an attempt to ensure that people suffering from medical illness do not get burdened by financial worries, health insurance guaranteed plans have included all healthcare services given to such patients within the ambit of their comprehensive as well as guaranteed issue health insurance plans.

About - Health Insurance Guaranteed is the nation's leader in health care for those with pre-existing conditions of all age groups. They have helped over 80% of their clients to find the suitable insurance coverage such as: cancer medical insurance and mental illness insurance, prescription coverage and excellent catastrophic insurance for their pre-existing medical conditions. For those with creditable coverage or who have had insurance within the last 63 days, Health Insurance Guaranteed are even able to provide HIPAA plans that will accept and cover the person with the pre-existing conditions from THE FIRST DAY! This means a smooth transaction in coverage when moving from COBRA to an individual policy.

Health Insurance Guaranteed, a guaranteed issue medical insurance company, works with over 40 different carriers and over 10 different kinds of insurance plans, while providing references as well as any legal documents from the Department of Insurance in any state. They have helped thousands of Americans, they can help anyone! No need for endless internet search for insurance companies, local insurance agents are now just a touch of a button away.
Anyone can apply for health insurance and get a free consultation by visiting the Health Insurance guaranteed website or by calling 800-940-5446

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Source: PRWeb
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