If a person has already been diagnosed with bipolar disorder before getting the insurance, then it could be very difficult to get a low cost insurance plan for them. Bipolar disorder people need frequent hospital visits and the consultation fees on a weekly basis can be very high.
Also, several times the bipolar disorder may just be the symptom and not the main disease.
However, such people cannot choose regular health plans because they do not suit their needs in any way. A person with bipolar disorder needs to be treated for their disorder in specific and it comes under mental health care. Getting an insurance plan that covers your physical health may not be advisable at all and several times the claims may even be rejected by the regular physical health care insurance. It is okay if the person has not been diagnosed yet and is going through several tests which might lead to result in the disorder. But after being diagnosed and confirmed by doctors that it is a bipolar disorder, it becomes important to choose a different health care plan.
Insurance companies like Aetna now have some insurance coverage problems for people with behavioral problems. Since bipolar disorder comes under behavioral problems, it is qualified for such insurance plans. These insurance plans work only for people with mental health problems and the network of doctors will also include only psychiatrists and related medical facilities. Along with having an insurance plan for behavioral disorder, it is also important to have another insurance plan covering the physical health.
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