Mental Health

Shah Ansari asked:


Family health insurance is an insurance policy that covers the entire family under a single policy. Like an individual plan, family health insurance plans provide the benefits of medical expenses, surgery, emergency treatment, dental and mental health care.

There have been huge developments in the field of medical sciences but emergencies never come with a warning. The rising cost of medications and hospitalization can drain a person’s finances. It thus becomes important to avail health insurance coverage that can serve as a shield against unavoidable circumstances. Adequate health insurance coverage can defend you and your family in times of unforeseen situations.

 Key Benefits of Family Health Insurance

 



Family Floater Policy is a single-policy insurance that covers the entire family. It can be availed by anyone in the family, but the benefits extend to each member.



 

Family health care insurance requires the family to pay single premium. The entire family is covered under a single premium, thereby ensuring good cash value for the customer.

 

 

Family health insurance provides unique floater benefit. This means that each member in the family is covered upto the entire sum insured of the policy. For e.g., Mr. X, his wife and daughter are covered for Rs. 1 lac each, under a regular individual health policies paying three different premium (for each policy).  During medical emergency, say, the surgery and hospitalization bill of his wife amounts to Rs. 1.5 lac, their regular health policy would cover only Rs 1 lacs while Mr. X would have to pay Rs. 50,000 from his pocket. However, in a family health insurance, the cover of Rs. 3 lacs would be shared among the entire family. Thus providing each member a cover of Rs. 3 lacs. Mr. X would thus have the entire Rs. 1.5 lacs medical expenses covered for his wife.

 

 

With a family health insurance, the maintenance hurdle is largely reduced. If you go for regular health insurance for your family, you have to look after 3-4 policies. Whereas with family health care insurance, you maintain just one policy that takes care of the entire family.

 

Family health insurance is unique in the sense that you pay for a single premium you get coverage for each of the family member. It is advisable to buy your Medical policy online. It is hassle-free since it does not require any paperwork. You provide the required details and get policy instantly. Unlike the traditional process, the entire process is transparent as you can assess the policy details and decide on your own. Besides, you can also get online quote from different providers. In a world of 24×7, do make use of this technology to secure yourself and loved ones.

 

Sharon Samraj asked:


Most of us suffer from mental health problems, though in varying degrees. Although mental ill-health affects so many people, there is still no proper definition as to what mental health problems are and what methods are needed to recover. It is reported that at least 1 in 10 young people and around 1 in 4 adults experience mental health problem at some time in their lives. Mental health can mean a wide range of symptoms and disorders - like depression, anxiety, self-harm, violent tendencies, schizophrenia and various types of mania. The mental health problems can develop at any time in one’s life and each person’s experience can be unique and can last from several weeks to even a lifetime.

People suffering from mental ill-health will think, feel or behave abnormally. This can be confusing not only for them but can affect their relationships, their work or education, and their social life. Having a mental health problem can create difficulties for all family members, friends, and the people they interact with. Mental health problems are usually caused by a variety of factors including breakdown in a relationship, death of a family member or a close friend, bullying, abuse, divorce, separation from parents or loved ones, stress born of a person’s current situation. Mental health can happen suddenly without prior indications or get built up over time.

When people first begin to experience mental health difficulties they may not be able to fathom what is happening. In several instances, people tend to deny that anything is wrong with them or even suppress information. Their reasons for doing this could be embarrassment, a sense of shame or fear of other people’s reactions. There is no denying the fact that mental health results in social stigma. Please remember that there is a lot of support available to help people recover from mental health problems - in terms of counseling, therapy, medication and treatment in hospital. Different treatments are recommended for different types of mental illnesses. With the right support, the majority of people with mental health problems will surely recover.

Mental health saps your energy, hope, ambition and drive, sometimes making it difficult to do even the normal day-to-day activities. Although overcoming depression may not be quick or easy, it certainly is not impossible. Feeling completely better may take time, but you can get there if you make positive choices for yourself each day and draw on the support of your loved ones. Recovering from depression calls for positive action but taking action when you’re depressed is hard. Some simple things you need to do are physical exercise, eating right food and rating regularly, sleeping at least for six hours, going out for walks in open areas, interacting with loved ones, avoiding loneliness, refusing to think negatively etc. . You probably already know that these things will help you overcome depression but following these rules are not easy when you are depressed. This is the Catch-22 situation of depression recovery. The symptoms of depression such as fatigue, despondency, incoherent thinking, and low self-esteem make it difficult to take the necessary steps to recovery. A realistic recovery plan therefore involves taking responsibility for the choices and changes you do have control over and avoiding the things you cannot control.

All forms of mental illnesses are treatable if the patient receives competent professional care. Psychologists are among the licensed and highly trained mental health providers with years of experience studying depression and helping patients recover from it. Unfortunately, there is some social stigma associated with seeking help for emotional and mental health problems as feelings of depression often are viewed as a sign of weakness rather than as a signal that something is out of balance. Persons suffering from mental health who do not seek help suffer needlessly. Unexpressed feelings and concerns accompanied by a sense of isolation can worsen mental health. The importance of obtaining timely professional health care is the need of the only answer for mental maladies.

Samson Omotosho, PhD, APRN/PMHN asked:


There is a lot of prospect in community-based mental health careers both in the state of Maryland and all over the country. This is because for years now, there has been a lot of emphasis on prevention and reduction of inpatient hospitalization for all illnesses, including mental illness. This might primarily have been intended for cost control, it has also facilitated quality and access. The second reason why career prospects in community mental health are many is that there is currently a severe shortage of mental health workers in all sectors. The 2007 Maryland Mental Health Workforce White Paper revealed that the number and complexity of mental health problems experienced by children and their families have increased over the past decade. It further said, “At least one in five children and youth, or 20%, experience a mental health disorder. The crisis of mental health in the United States is such that 75-80% of youth with mental health diagnoses receive no services, and services received are often inadequate”. Thirdly, there is inadequate diversity among the few mental health workforce. For example, 28% of Maryland population is of ethnic minority but only 12% of mental workforce is of ethnic minorities. Furthermore, there is an acute shortage of African American males in mental health workforce.

 1. Outpatient Mental Health Clinics (OMHC)

Outpatient mental health clinics provide therapy, counseling, medication management, social skills teaching, and case management services to individuals with severe and chronic mental health problems. Career prospects available in OMHC include:

Therapists and Counselors: New regulations require therapists and counselors in OMHC to have a minimum of a Masters degree and a license (such as LGSW, LCSW, LCSW-C, LGPC, LCPC, RNC, APRN/PMHN) in nursing, social work, psychology, counseling, or psychiatric rehabilitation. Also, an RN without a Masters degree but with an RNC from ANCC can be employed as a therapist. Salaries are very attractive.

2. Psychiatric Rehabilitation Programs (PRP)

PRP programs are an extension of the services provided to the patient in the OMHC. A PRP may stand alone or be an additional service to an OMHC. The purpose of PRP is to promote the rehabilitation, integration and improved quality of life for the patient at home, school, work and community. It aims at helping the patient to function at his or her optimum best in life. The counseling can be done at the Program office (onsite) or at the patient’s home (offsite). PRP counseling could be about a wide range of topics, including anger management skills, social skills, assertiveness skills, medication compliance, coping with symptoms, managing peer pressure, taking a bus, determining bus route, drug and alcohol, gang prevention, sex education, STD education, accessing community resources such as food stamps, affordable housing, bus pass, ID card, driver’s license, job search, preparing for job interview, keeping a job, improving attention in school, completing homework and school projects, respect of authority, etc.     

Even though a mere one-year work experience in a mental health setting or having an AA degree qualifies one to be a PRP counselor, PRP programs prefer to employ persons with a BS degree in any health or mental health related field such as nursing, social work, counseling, psychology and rehabilitation. PRP counselors are usually paid $14 or more per counseling session. Each client receives 2 to 8 counseling sessions per month.

3. Expanded School-Based Mental Health (ESBMH)

In addition to the school clinic, some schools also have an ESBMH clinic. A therapist assigned from an OMHC manages each of such clinics. Apart from providing therapy to troubled kids sent to the therapist’s office from the class or principal’s office, the therapist also serve as a resource person to the school staff regarding particular children, issues or topics related to mental health. 

4. Crisis Response Programs (BCRI, BCARS)

Mental health professionals are also needed in crisis centers where services are provided for anyone in mental health crisis. The two main centers in Baltimore are Baltimore Crisis Response, Inc. (BCRI) and Baltimore Child and Adolescent Response System (BCARS). For employment inquiries, please call 410-433-5255. There are positions that do not need a Masters degree.

BCARS website provides the following information about what they do: 

BCARS is a mobile crisis response service that provides emergency contact with mental health professionals throughout the city. Dedicated crisis clinicians staff the program as part of a continuum of clinical care provided by the Catholic Charities.  The Johns Hopkins Division of Child and Adolescent Psychiatry provide psychiatric consultations to the program.  BCARS assists children and families facing psychiatric and psychosocial crises by providing hospital diversion and immediate intervention and respite. For information or assistance, please call the BCARS hotline (410) 752-2272. It is available 24-7. 

BCRI web site provided the following information: about what they do:

HOTLINE: The telephone crisis “hotline” (410-752-2272) is available 24 hours a day and is staffed by trained counselors who have the ability to provide information and referral to the network of human services in the Baltimore metropolitan area. The counselors also provide supportive counseling, dispatch emergency assistance and link callers with more intensive BCRI services.  In FY 2004 – 34,852 and FY 2005 – 30,257 calls were received on the Hotline.

MOBILE CRISIS TEAMS: Mobile crisis teams are comprised of mental health professionals including psychiatrists, social workers and nurses who can be dispatched to community locations to provide immediate assessment, intervention and treatment. Teams operate from 7:00am till midnight seven days per week. Currently the teams average over 2000 responses per year.

IN HOME SUPPORT: Persons experiencing a mental health crisis can often be maintained in the community through regular visits from the BCRI mobile crisis teams. An average of 350 people a year is cared for in this manner.

RESIDENTIAL CRISIS BEDS: Baltimore Crisis Response, Inc. operates 18 psychiatric crisis beds. Crisis beds are not new to Maryland. However, since its inception, BCRI has operated with an average length of stay of 4.5 days compared with the historical statewide average of 16.5 days.

PUBLIC EDUCATION AND TRAINING: BCRI provide public and professional education and training on a wide range of mental health related topics including: suicide prevention, crisis intervention, mental illness, and stigma.  Training has also been provided to members of the Baltimore City Police Negotiation Team, over 3,000 patrol officers, Housing Police and Sheriff’s officers. Through special grants and contracts, BCRI has provided training to Baltimore City Public School teachers and guidance counselors, clergy, 911 operators, shelter care staff and others.  Public education is also provided via a cable television program called “Mental Health Matters”.  This program provides practical information regarding mental health issues and community resources.  BCRI has also offered professional training conferences, workshops and symposia.

ADDICTIONS SERVICES: In response to the growing need for addictions treatment services BCRI has expanded and now provides a 10-day residential detoxification program for chemically addicted and dually diagnosed persons.  There are currently 16 beds operated for this purpose.

5. Group Homes

Direct care staff and counselors are needed in group homes to manage, care and support the residents in the areas of activities of daily living, behavior management, life progress, and community living. Employment preference is usually given to individuals who have a degree related to health or mental health. Salary rates are very attractive. New regulations now mandate each group home especially for children to be managed by a Program Administrator (PA) who must possess at least a BS degree in any field but preferably in a health or mental health related field. Program Administrators are very well paid, depending on their education and experience and the size and intensity of the group home. 

6. Private Practice

There are a lot of prospects for licensed mental health professionals with at least a Masters degree to establish their own private practice. The practice could be in the area of clinical, research, educational, or consultancy.

Linda Rosenberg asked:


Why Pursue Mental Health Integration?

It is the right thing to do: The NCCBH vision statement provides the foundation for our work: We are committed to creating and sustaining healthy and secure communities, achieved through a system that holds the needs of consumers paramount, regardless of their ability to pay.

Vital to this commitment is a network of organizations and advocates promoting services of unparalleled value.

NCCBH members primarily serve public sector consumers, those with severe and persistent mental illness or serious emotional disturbance-the needs of this population are often overlooked in primary care and integration planning. We must assure that their needs as well as the needs of the broader community are appropriately addressed.

Many people in the broader community now receive their behavioral healthcare in a primary care setting, and the gap between the medical and behavioral healthcare systems must be bridged: As noted by Robin Dea and many other commentators, there is:

“evidence that many, if not most, people coming into primary care are being treated for psychosocial problems, not organically based medical disease . . . evidence of medical cost offsets from treating behavioral health problems presenting as physical health problems in the primary care setting . . . the assumption that if adequate detection of early stage psychiatric illness took place in primary care, there would be some prevention of patients going to more severe episodes of major psychiatric illnesses . . . and primary care is where most people who have behavioral health problems are in fact seen.”

Some of the important findings from the research field include:

-The Epidemiologic Catchment Area (ECA) Study and articles based on this survey data, reported the finding that about 50% of care for common mental disorders was delivered in general medical settings. However, many subsequent studies have shown that these disorders may be undiagnosed or under-treated.

-Screening systems, treatment guidelines and provider education in primary care are necessary but not sufficient steps to ensure a difference in outcomes.

-Collaborative and stepped care has been shown to achieve outcomes that are better than “usual care”.

There is the opportunity for quality improvement of care within the primary care and specialty behavioral healthcare settings: Studies have shown that many people with depression stop taking their medications before the minimal time required to effectively treat an episode of depression. Patients at Group Health Cooperative who initiated medications for depression with their primary care physician and received targeted stepped up care and relapse prevention support were significantly more likely to adhere to adequate dosages of medication and to demonstrate a greater decrease in depressive symptoms.

Application of research findings such as these through adoption of evidence-based practices in both primary care and specialty behavioral health (BH) settings will result in better outcomes for consumers.

With the publication of Priority Areas for National Action: Transforming Health Care Quality, the Institute of Medicine’s 2003 follow up to Crossing the Quality Chasm: A New Health System for the 21st Century, a major opportunity and challenge has appeared for the public mental health system.

The Quality Chasm recommended the systematic identification of priority areas for national quality improvement; Priority Areas proposes twenty areas for transforming health care nationally. Included in this list are major depression (screening and treatment) and severe and persistent mental illness (focus on treatment in the public sector).

Their inclusion as priority areas, as well as the findings in the Interim Report from the President’s New Freedom Commission on Mental Health, with its observation that the system is “fragmented and in disarray-not from lack of commitment and skill of those who deliver care, but from underlying structural, financing and organizational problems” suggests that the time for new strategies is at hand.

Many people being served by public behavioral health services need better access to primary care: A rationale less frequently articulated for integration is that the specialty BH system, especially the public sector focusing on the severe and persistent mentally ill adult population (SPMI) and seriously emotionally disturbed (SED) children, serves a disabled consumer population with healthcare needs that are frequently under-addressed due to difficulties in obtaining medical services.

Most state Medicaid waivers related to coverage for physical healthcare have focused on enrollment of the TANF population into Medicaid managed care plans, leaving the disabled Medicaid population unable to adequately access care, or in better situations, reliant on “safety net” providers-community health centers (CHCs) or county delivered health services.

Community health centers serve people who need better access to behavioral healthcare. These “safety net” providers serve a broader scope of patients than just the Medicaid population. But many states have implemented mental health Medicaid waivers that focus the public mental health system on the SPMI/SED and Medicaid populations, with minimal levels of support for non-SPMI/SED or uninsured populations. Often there is not a good match of target populations between the two systems. If the Medicaid mental health program also has a highly managed service authorization and payment methodology, there may be additional barriers to reimbursement for mental health services.

This has led to frustration for “safety net” healthcare providers because they have difficulty obtaining behavioral health services for their non-SPMI/SED or uninsured patients. In a recent survey of CHC medical directors, 80% indicated that cost is the main barrier to behavioral health care for their uninsured populations. The recent financing and development of behavioral health services in CHCs addresses this frustration and is just the latest in a series of efforts to acknowledge that a large proportion of the population gets their behavioral health services in primary care.

Because behavioral health clinicians are a resource for assisting people with all types of chronic health conditions: Yet another reason for integration is the potential contribution of BH clinicians regarding behavioral and lifestyle change: providing interventions targeted at better management of chronic disease, supporting and “leveraging” the time of primary care providers through disease management programs.

Disease management activities focus on several areas: early identification of populations at-risk for costly chronic disease (e.g., asthma, diabetes), care interventions that utilize evidence-based practices, education-intensive orientations that focus on both patient and provider, care management and a coordinated approach across multidisciplinary treatment teams, and a method for systematic data collection that measures clinical and cost-effectiveness. Large organized healthcare systems, such as Northern California Kaiser-Permanente, implement their major disease management programs with specifically assigned nurses as care managers and educators.

However, many physicians in individual or group practices do not have access to this level of support unless they are in the network of a health plan with active disease management programs. In markets where primary care and multi-specialty groups have accepted accelerated risk, disease management approaches will be especially value-added.

We are in a time of significant public policy activity regarding financing of the national healthcare system and the uninsured population. As we approach the 40th anniversary of the founding of the community mental health center movement, the dialogue has returned us to our public health beginnings-serving the needs of a population.

The Health Resources and Services Administration (HRSA) Primary Care Integration Initiative is currently being implemented across the country. The HRSA initiative includes: identification of system issues related to integration and the development of related strategies; development of a service manual for CHC behavioral health services; development of BH intervention models for CHCs; and grants for establishing BH services in existing CHCs.

Newly funded CHC sites will be expected to provide dental, mental health and substance abuse services, either directly or by subcontract arrangements. CHCs are in the process of decision making about building their own BH services or contracting for BH services, as they prepare their grant applications. (The NCCBH website, www.nccbh.org, has a Primary Care Integration Resource Center with more details about the HRSA process.)

At the same time that HRSA is putting new BH resources into CHCs, reports are emerging from many states indicating that the public mental health system is funded at somewhere around half the level that is needed. In the private sector, the relentless downward pressure on behavioral health PMPMs has also reduced overall system resources, shifting cost from the private sector to the public sector.

Reports such as these were released prior to the current fiscal crisis in state Medicaid programs; rather than addressing the shortfalls, there are significant new reductions in BH services in many states. And, the implementation of managed care methods for Medicaid have made it difficult for some community based BH providers to continue to enact their mission of serving the needs of the population, regardless of ability to pay.

The implications for system-wide duplication and competition for the scarce resources of BH staff and funding, as well as the opportunity to improve consumer access to both health and behavioral healthcare services, suggests that collaboration is a priority at the national, state and local levels. Good public policy will work at sustaining, supporting and requiring collaboration between the two “safety net” systems of community mental health centers and community health centers.

The conceptual model proposed in this paper can become the basis for HRSA grantees to work with their partners in the public mental health system to fully define working relationships and collaboration on behalf of consumers of care.

In summary, the reasons for integration are grounded in the desire to improve access to both primary care and behavioral health services; ensure that there are evidence-based practices as well as consistent communication and coordination of clinical activities (especially medication management-a key concern of consumers) among the providers serving any single individual; wed the skill sets of primary care physicians and BH clinicians in order to better manage chronic health issues; and, participate in and shape the public policy debate regarding how services should be organized, delivered and financed in ways that ensure that needs of public sector SPMI/SED consumers and the broader community alike are met.

lexiemarine asked:


 

Health related problems always strike you when you least expect them. Depending on their intensity and longevity, health problems can easily leave you financially crippled. Whether you are single or need to take care of your entire family, being prepared for unforeseen health related expenses is not only smart; it can sometimes make the difference between life and death. A robust health insurance plan can help you pay your medical bills without putting you under tremendous financial strain.

Whether you are already covered by your employer’s insurance scheme or not, you may still need to get additional coverage through an individual health insurance plan. This is because sponsored programs often fall short of individual needs. Extensive coverage for self and family can be achieved through a separate individual health insurance plan.

Individual health insurance plans are of two types:

- Indemnity plans

- Managed care plans

Indemnity plans are costlier than managed care plans. These plans are best suited for those who have particular health issues and need to be treated by specific doctors.

Managed care plans are cheaper because you will be visiting a doctor or a hospital that is provided under the plan. If the treatment requires you to visit a specialist, you will need special permission from the insurance service provider. This kind of plan is best suited for individuals without specific health problems, and for those looking to cut costs.

Selecting a good individual health insurance plan is somewhat tricky if you are not well versed with the intricacies involved. You must choose a plan that will provide you with enough financial coverage. To do this, choose your plan carefully.

The first thing you need to identify is the kind of health insurance plan you need. Do you suffer from any pre-existing medical conditions? Search for a health insurance company that covers your particular condition.

Next, identify a health insurance plan that fits your budget while at the same time provides you with the necessary coverage. Make sure that you are aware of any waiting period for the policy you buy. Some plans have an initial waiting period before coverage begins. If you are unaware of this, you may get a nasty shock when you are in the medical centre.

Finally, choose your insurance company carefully. Health insurance companies need the business you give them. That means that there is quite a lot of competition out there between companies that vie for your attention. Use this to your advantage. Choose a company and then talk to them. Explain what you want. Find out if they have the kind of coverage you require.

Now, you are well on your way to ensuring the kind of health care coverage that you want.

jeniferhobson asked:


Most of us suffer from mental health problems, though in varying degrees. Although mental ill-health affects a lot of people, there is still no proper definition as to what mental health problems are and what methods are required to recover. It is report that at least 1 in 10 young people and around 1 in 4 adults experience mental health problem at some time in their lives. Mental health can mean a wide range of symptoms and disorders - like depression, anxiety, self-harm, violent tendencies, schizophrenia and various types of mania. The mental health problems can develop at any time in one’s life and each person’s experience can be unique and can last from several weeks to even a lifetime.

People suffering from mental health will think, feel or behave abnormally. This can be confusing not only for them but can affect their relationships, their work or education, and their social life. Having a mental health problem can create difficulties for all family members, friends, and the people they interact with. Mental health problems are usually caused by a variety of factors including breakdown in a relationship, death of a family member or a close friend, bullying, abuse, divorce, separation from parents or loved ones, stress born of a person’s current situation. Mental health can happen suddenly without prior indications or get built up over time.

When people first begin to experience mental health difficulties they may not be able to fathom what is happening. In several instances, people tend to deny that anything is wrong with them or even suppress information. Their reason for doing this could be embarrassment, a sense of shame or fear of other people’s reactions. There is no denying the fact that mental health results in social stigma. Please keep in mind that there is a lot of support accessible to help people recover from mental health problems - in terms of counseling, therapy, medication and treatment in hospital. Different treatments are suggested for different types of mental illnesses. With the right support, the majority of people with mental health problems will surely recover.

Mental health saps your energy, hope, ambition and drive, from time to time making it difficult to do even the normal day-to-day activities. Although overcoming depression may not be rapid or simple, it certainly is not impossible. Feeling totally better may take time, but you can get there if you make positive choices for yourself each day and draw on the support of your loved ones. Recovering from depression calls for positive action but taking action when you’re depressed is hard. A lot of simple things you need to do are physical exercise, eating right food and rating regularly, sleeping at least for six hours, going out for walks in open areas, interacting with loved ones, avoiding loneliness, refusing to think negatively etc. .You almost certainly already know that these things will help you overcome depression but following these rules are not easy when you are depressed. This is the Catch-22 condition of depression recovery. The symptoms of depression such as fatigue, despondency, incoherent thinking, and low self-esteem make it difficult to take the essential steps to recovery. A realistic recovery plan therefore involves taking responsibility for the choices and changes you do have control over and avoiding the things you cannot control.

All forms of mental illnesses are treatable if the patient receives competent professional care. Psychologists are among the licensed and extremely trained mental health provider with years of knowledge study depression and helping patients get well from it. Unluckily, there is some social stigma associated with seeking help for emotional and mental health problems as feelings of depression often are viewed as a sign of weakness rather than as a signal that something is out of balance. Persons suffering from mental health who do not seek help suffer unnecessarily. Unexpressed feelings and concerns accompanied by a sense of isolation can worsen mental health. The importance of obtaining timely professional health care is requiring of the only answer for mental maladies.