New insurance and pre-existing conditions?
Long-term depressive and habitual job/insurance hopper here. After consulting a new psychiatrist on a new health plan recently, I discovered that you might find a loophole if you can get a different diagnosis. For instance, I was able to skirt the preexisting crap by being diagnosed with GAD instead of major depression. (It didn’t affect my treatment or meds.) I don’t know if this will help you w/r/t where you are in the process, but if you see a doc maybe you could suggest something like this. I think doctors hate the whole insurance industry as much or more than patients, so they may be willing to help in this way. (I’m not a doctor, mental health prof’l, or insurance person, so take with grain of salt pls k thx. Maybe your issues are more severe than mine and this is not a good idea for you in the long run.) Also, perhaps a good psych can deflect the “prudent person” nonsense by pointing out that depression can “immobilize” people, making it difficult to make prudent decisions. You
