Quote:I have general and social anxiety along with depression so I have to see a doctor every month. For several years I was not able to thanks to divorce, a job that didn't provide insurance and the inability to get any on my own due to cost- this all before ACA. Should I have been unable to get on my husband's insurance (which is through his employer) because I had a lapse in coverage? Or are you talking high cost stuff like cancer?

 

As it was, even though I was accepted on his insurance they refused to pay for my anxiety and depression related visits and meds for the first year. So you can be on a plan with pre-existing conditions now but it doesn't mean they will pay for anything relating to that condition for a period of time if you have a lapse in coverage.