Health & Life Insurance
What have been your experiences obtaining health and life insurance after an ADHD diagnoses?
I’m very reluctant to seek proper treatment because I’m concerned it will affect my ability to get affordable health insurance for my family in the future when I don’t have it through a job (it is possible we may be able to leave the traditional workforce soon and support ourselves with our own business, and, of course, with the Affordable Healthcare Act, it is also possible my employer will decide to no longer offer insurance coverage). Also, I am concerned about life insurance premium. Our term life policy is up in a couple of years and we will be looking for life insurance again.
I’d like to seek regular treatment and intervention. As it is, I pay out of pocket and haven’t seen a doctor in about 2 years and have been carefully doling out my medicine on an irregular basis so it will last until I decide what to do. None of my regular doctors know about my ADHD because I’m concerned about the ramifications for insurance (as well as, still feel “responsible” for my ADHD even though I know it’s ridiculous- and don’t want to be judged).
I’ve reached the point where I’m ready to get out of my own way and take a leap and get serious, and work through my issues, but the insurance bias has me paralyzed.
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