She Strengthens

Navigating the Complexities of Health Insurance

As I entered adulthood, I thought I had a good grasp on my health insurance. But, one year into my first job and living on my own, I realized there was still much to learn. The concept of deductibles, in particular, left me bewildered. I had no idea that I would have to shell out over $1,000 before my insurance coverage kicked in.

The Road to Mental Health

My journey with anxiety and depression began in high school, but it wasn’t until college that I sought medical help. The college health center offered free counseling services, and my dad would reimburse me for my antidepressant prescription through his health savings account. This arrangement worked well until I graduated and lost access to these services.

The Reality of Health Savings Accounts

I soon discovered that my dad’s health savings account wasn’t a magical fund that appeared with my insurance card. It required contributions, and I had to take responsibility for my own health expenses. When my psychiatrist left the practice, I took the opportunity to find a new doctor closer to my home. The first appointment went smoothly, but the $120 bill at the front desk caught me off guard.

The Shock of Medication Costs

The real sticker shock came when I picked up my new prescription. The pharmacy tech rang it up, and I was faced with a $302 bill. I was stunned. After some research and phone calls, I managed to find a coupon that took $50 off the price. But the experience left me reeling.

Therapy: A Necessary Expense

I started therapy again, which proved to be a game-changer for my mental health. However, my therapist didn’t take insurance, and her starting rate was $185 per session. We negotiated a lower rate, but it was still a significant expense. Despite the cost, I knew that therapy was essential to my well-being.

The Financial Toll

After six months of therapy and medication-testing, I’ve finally reached a stable place with my mental health. But the financial burden has been significant. I’ve spent over $4,000 on my mental health since February, more than I spend on anything else except rent. It’s a constant struggle to balance the stress of not having enough money with the importance of prioritizing my mental health.

Finding a Balance

I’ve had to make adjustments to manage my expenses. I now go to therapy bi-weekly, which reduces my monthly costs. My medication is also more affordable, and I’ve found a stable job that allows me to pay for these essential expenses. While it’s still a challenge, I’m grateful to have reached a place where I can prioritize my mental health without breaking the bank.