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When Insurance Runs Out

Robin Kitchell's 13 year old son suffers from manic-depressive disorder. Because of his medication and psychotherapy, he manages a pretty normal life; he keeps up with his schoolwork, plays on the football team, and is popular with his friends. But every year right about now, his insurance benefits run out, and Robin and her husband must pay $150 a week out of their own pockets to get their son the treatment he needs to keep on functioning.

The recent White House Conference on Mental Health chaired by Tipper Gore featured Robin and other people in same situation, along with the Vice-President and Mr. and Mrs. Clinton. No one there could understand the logic of Robin's situation. Mr. Clinton and Mr. Gore both called it outright, illegal, discrimination. After all, if this young man had a serious, chronic "physical" illness no insurance company would be allowed to rule that he had exhausted his benefits halfway through the calendar year; or to charge a higher deductible, or a higher copay, or arbitrarily limit the amount of service he could receive.

People with mental health problems are so used to this situation that we take it for granted and don't see it for the discrimination that it is. It's great to see the first ever White House Conference on Mental Health, great to see Mrs. Gore an enthusiastic cheerleader for a national campaign to end discrimination. She notes how times change, how we used to think segregation was the natural order of things, how we used to be ashamed to talk about cancer. "This is the last great stigma of the 20th Century," she notes. "We need to make sure it ends here and now." But there are powerful forces against her. "Your rates will go up!" is the first cry we will hear from the insurance industry and its apologists, despite tons of evidence that accessible mental health care reduces overall healthcare expenditures by helping people stay in good physical health and by preventing catastrophic costs when the individual breaks down under stress.

There are other, subtler forces too. Robin Kitchell has been fighting with her school system for years to get them to provide some reasonable accommodations for her son, to no avail. But when he had to be admitted to a psychiatric hospital last November, suddenly the school decided he really did have a problem-in other words, that he might be dangerous-and proposed to send him to a special facility where he would be isolated from his peers four months from graduation, unable to continue the normal curriculum he had managed just fine.

I'm sure the school officials are well-meaning people. Everyone's scared of kids blowing up the school. Newsweek runs a cover story "Spotting Teens in Trouble" with a picture of a demonic-looking young man. You don't have to be a genius to read the implicit subtitle: "and sending them away somewhere."

Good intentions aren't enough to justify discrimination any more. Neither are economic rationales. I'm with Tipper, let's end it here and now. But the fear and shame associated with mental illness are so pervasive that we're going to have to be educated about how to spot discrimination when we see it.

Maybe some of the fear and shame made sense when we had no treatment for the mentally ill, when a "nervous breakdown" meant a lifetime ruined. But now we have better success treating depression than we do heart disease. Medication and psychotherapy are available and effective. We just have to make sure people can get the treatment they need.


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