A colleague wrote into our psychiatric society's Listserv
-- his son is starting college and he was solicited to purchase tuition
reimbursement insurance in case something goes wrong and his son needs to
withdraw. He was surprised to read that the company offered one amount if
a student withdraws for 'medical' reasons and another, lesser percentage, if
the student withdraws for 'mental health' reasons. Oh, and the medical
leave needs a doctor's note, while a mental health leave requires that the
student must have been hospitalized for two consecutive days for the
psychiatric condition.
That seemed outrageous, and it occurred to me that I have a
kid in college and I had the same offer for tuition reimbursement insurance
sitting in my spam. Only my offspring is at a different university in a
different state and there is no medical vs. mental health differentiation for
her large university. I clicked on a few schools and concluded this was a
quirk of my colleague's son's institution. He was quick to point out that
I was wrong -- colleges and universities are all over the map with this, and I
soon realized that every school that offers this policy in Maryland has some
inequity for mental health reasons-- either a lesser amount of reimbursement or
a requirement for hospitalization. I don't quite understand -- are they
saying that mental illnesses are less real or valid so you have to 'prove'
you're really sick, and by the way, you get less of a refund? Disability
of all varieties has the potential to be an individual matter especially when
it involves pain or fatigue. And in Maryland, our governor has set the
bar quite high -- he was recently diagnosed with an aggressive form of lymphoma
and is undergoing chemotherapy -- certainly a good reason to take some time off
-- but his photo (minus hair) is in the paper every day with his declaration
about some topic or other. At some level, a doctor of any specialty is
left to trust the patient (or not) when he says he just can't do something
because he's in too much pain, too tired, too depressed, or his preoccupation
with delusions and hallucinations is getting in the way.
The company mentioned is Dewar -- you can look up a
university they cover here: College Tuition Refund - Home
Page, but apparently it's been an issue for years. Below I'll
post some articles about the issue from The New York Times and Psych
Central. It's disheartening that despite this outcry and confrontation in
2011, Dewar continues to have these discriminatory policies. I couldn't
find anything that indicated that NAMI or APA were part of the conversation,
but I could well have missed it (~please let me know if I have). In the
comments section on the third article, one person noted that when she complained
to Yale's president, then the policy did change to one of equal coverage, but
it seems like a war of many small battles which are mostly not being
fought. In addition, I'm posting a link to an excellent summary about why
parity legislation has not resulted in the changes that were hoped
for.
On Psych Central:
And more in the NYTimes (read the comments)
And, finally, for anyone interested in an overview of how and why
parity is failing, this is an excellent summary, from earlier this month: