mental health and addiction treatment will be covered

[JayhawkSD]

2. This is actually a bit of a problem for me.

Insurance companies will not be able to sell a policy that excludes "addiction treatment and relapse prevention."

Sounds great doesn't it? But what if I want to buy such a policy and have a valid reason for doing so? I have a "relapse prevention program" in place right now, and it has been working for 32 years. I have no reason to believe that it will ever stop working and therefor do not wish to pay for something that I do not ever expect to need.

If, by any chance, I did relapse, I would expect to deal with it in the same manner that I did originally. Since it dealt tith the problem for 32 years, I would expect it to do so again and that would be longer than I expect to live. So I don't need insurance that covers treatment.

So I would far prefer to buy insurance that lowers my cost by excluding addiction relapse prevention and treatment. I can reduce my auto insurance by reducing coverage, but I cannot reduce my health insurance by eliminating coverage that I have decided I do not need.