Catastrophic Health Insurance and Mental Health: When the High-Deductible Plan Hurts More Than Helps

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Tyler Bishop was 27, a freelance video editor in Austin, Texas, and proud of being smart with money. He had crunched the numbers on the marketplace plans during the previous open enrollment and concluded that a catastrophic plan was the right choice. Premium under $230 a month. Three primary care visits before the deductible. Coverage … Read more

Coordinated Specialty Care for First-Episode Psychosis: NAVIGATE, EASA, and OnTrackNY

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Devon was nineteen, halfway through his second semester at a community college outside Rochester, New York, when his mother first noticed that something had shifted. He stopped sleeping. He papered the windows of his bedroom with aluminum foil because he believed the neighbours were filming him. By March he was no longer attending class, and … Read more

Recognising a Mental Health Emergency in Someone You Love: Warning Signs, First Conversations, and Crisis Steps

Recognising the Moment Before a Crisis Becomes One Most family members of people with serious mental health conditions describe the same feeling about the days leading up to a major crisis: they could see something was wrong, but they could not name what it was, and by the time they understood what they were watching, … Read more

Medicare Mental Health Benefits Explained: How Parts A, B, D, and Advantage Plans Cover Therapy and Psychiatry

Medicare Mental Health Benefits Are More Than Most Patients Realise For decades, Medicare’s coverage of mental health care was treated as the weakest link in an otherwise comprehensive program. Patients covered everything else through Medicare and bought private supplemental coverage for the parts that mattered. That picture is finally outdated. Recent expansions have transformed Medicare into a … Read more

Long-Term Care Insurance for Dementia: When It Pays, When It Does Not, and Alternatives

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Frank, a 78-year-old retired teacher in Sarasota, bought a long-term care insurance policy from Genworth in 2003 when he was 57. He had watched his mother’s Alzheimer’s progress through eight years and a $340,000 nursing home bill. The policy promised $200 daily benefit, 5% compound inflation rider, lifetime benefit period, 90-day elimination. Premiums were $2,800 … Read more

Lithium Toxicity: Recognising the Dosing Window and When Dialysis Is Required

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Margaret was 71, a retired librarian in Tucson, Arizona, who had been on lithium for forty-three years for bipolar I disorder. Her psychiatrist had retired the previous winter, and her primary care physician inherited the prescription without much review. In late August, during a heatwave, her cardiologist added lisinopril for blood pressure and a low-dose … Read more

Pediatric Psychiatric Emergencies: When a Child Needs an ER, Crisis Bed, or Inpatient Admission

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Maya Reynolds, fourteen, sat in the children’s emergency department in Newark on a Tuesday night, holding her mother’s hand and waiting. Maya had told her school counselor that morning that she had been thinking about her stepfather’s pistol for the last week, that she had Googled how to load it, and that she had stood … Read more

Exercise Prescription for Depression: The 150-Minute Threshold and Why Walking Fails Without Intensity

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Marcus from Tucson had tried three antidepressants over four years. His new psychiatrist did something the others had not. She wrote a real exercise depression prescription on a pad with her DEA number at the top: “Moderate-vigorous exercise, 150 minutes weekly, four sessions, beginning week one.” She also referred him to a behavioral health exercise … Read more

Refeeding Syndrome: Recognising and Preventing the Sometimes-Fatal Complication of Eating Disorder Recovery

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Hannah was 16, admitted to Cincinnati Children’s Hospital after months of restrictive eating that ended with a heart rate of 38 and a potassium of 2.7. Her parents, who had been begging her to eat for nearly a year, finally exhaled when she sat at the meal tray on day two and finished her oatmeal. … Read more