Listing anxiety and/or depression on ins. claim forms??
I am wondering whether it is a bad idea, when filling out health care insurance claim forms, to write down "depression" or "anxiety". In the past, I had an insurance co. that said they would not cover me for anything related to depression (after going to a therapist for several months) or related to my knees (after seeing an orthopedic surgeon for a minor knee problem -he gave me some exercises to do). This was so frustrating! Why do we have insurance if they won't cover our health problems??!
Anyway, I switched to Blue Shield of CA some years ago. I have had lots of therapy over the years, but since my experience with the other company, I have paid for all my therapy out of pocket, without claiming it. In fact, with my depression overwhelming me, I have not submitted any claims for several years, and now I am taking on that task. Neither my current doctor nor my chiropractor submits their own claims to insurance, and I have seen both of them quite a bit. I noticed last night that my doctor had written the code for anxiety on several of the forms. I don't know if she has ever put down the code for depression. I believe that she has often just written the code for something more minor that I was also being seen for, and avoided coding mental health labels.
Have any of you had good or bad experiences with telling the truth to your insurance in the last few years? Anyone specifically with a Blue Shield of CA PPO? I am wondering if I should just bite the bullet and not ask for payment on these. So that I will have coverage in the future if something really catastrophic happens with my mental health. Though I actually don't expect it to.