Health insurance within reach for bipolar sufferer - Quincy Herald-Whig | Illinois & Missouri News, Sports

MEDICAL CONDITION: Health insurance within reach for bipolar sufferer

Posted: Updated:
Jessi Spencer-Hammac poses with her dog, Rocco, in Tampa, Fla. Under Obamacare, insurers are barred from turning away those like Spencer-Hammac with pre-existing conditions. (AP Photo/Chris O'Meara) Jessi Spencer-Hammac poses with her dog, Rocco, in Tampa, Fla. Under Obamacare, insurers are barred from turning away those like Spencer-Hammac with pre-existing conditions. (AP Photo/Chris O'Meara)

BY KELLI KENNEDY
Associated Press

MIAMI (AP) — Before she was diagnosed with bipolar disorder, 32-year-old Jessi Spencer-Hammac thought she was just a moody, restless dreamer who had trouble finishing projects.

At times, she alternated between being hyper-social and abruptly ending relationships. She also made rash decisions, such as moving across the country and losing contact for a couple years with her young daughter, who was living with the girl's father at the time.

Up one day, she could swing quickly to sad and withdrawn.

Spencer-Hammac said she did not seek mental health treatment until a few years ago. Because she cannot afford health insurance, she pays for the counseling and prescriptions out-of-pocket.

But under the Affordable Care Act, insurers will be prohibited from turning away Spencer-Hammac and millions of other Americans with pre-existing medical conditions, as they can now. Insurers that do offer coverage to those with existing conditions typically charge such high premiums that the cost makes it unaffordable.

For Spencer-Hammac, the provision in the federal health care law could mean an end to buying her $100-a-month mood-stabilizing medication at a discounted price in Canada, as well as the chance to see her therapist more regularly.

Her husband Chris, a 40-year-old bartender who makes about $35,000 a year, has health insurance through the Veterans Administration, but his policy does not cover family. He was recently diagnosed with testicular cancer and underwent surgery in August, further stressing the family's finances. Their 12-year-old daughter, Marley, has coverage through her step-mother's job.

The National Institute of Mental Health estimates that 6 percent of Americans live with a serious mental illness. One in four adults, or about 57.7 million Americans, experience a mental health disorder in a given year. Many don't have access to treatment or lack insurance plans that cover mental illness.

The Tampa mom tried to get health insurance about eight months ago and was told by one consultant that she would never get coverage for mental illness as an individual. She searched for plans online but was inundated with phone calls from insurance companies she said were so manipulative that she gave up.

"I felt marginalized, like I didn't matter, and mad ... that my struggle and the things that I deal with don't matter," she said.

Spencer-Hammac, who is about to start working again as a waitress, pays $40 for a family physician to write the prescription for her mood stabilizer. She can't use the generic brand, so she buys it in Canada and orders several months' worth to avoid high shipping costs. Sometimes, she worries the order will not arrive on time, so she regulates her dosage.

"If I stop it abruptly, I'm looking at being very unstable. That's always been a stressor," she said.

When she's feeling overwhelmed and needs to talk to her therapist, it costs about $100. That's why she's only been twice in the past five months.

A few months ago, she attended a town hall meeting and learned she might be able to get affordable insurance through the new state health insurance exchange under the Affordable Care Act. She also might also qualify for a federal subsidy to help offset the cost.

"I know I'll feel relieved," she said. "It's a burden to walk around and hope that nothing happens to you, and then with bipolar that you don't do anything drastic and stupid."

  • Local HeadlinesLocal HeadlinesMore>>

  • Rauner blasts Quinn, urges early voting at Quincy campaign stop

    Rauner blasts Quinn, urges early voting at Quincy campaign stop

    Thursday, October 23 2014 11:04 AM EDT2014-10-23 15:04:16 GMT
    Republican gubernatorial candidate Bruce Rauner called Illinois “the worst-run state in America” during a stop Thursday morning in Quincy as part of a multi-day tour to encourage early voting. Rauner and running mate Evelyn Sanguinetti toured Quincy Metal Fabricators with CEO Dan Nuessen. Rauner had appearances in Mount Carmel, Decatur, Bloomington and Champaign scheduled for later in the day.
    Republican gubernatorial candidate Bruce Rauner called Illinois “the worst-run state in America” during a stop Thursday morning in Quincy as part of a multi-day tour to encourage early voting. Rauner and running mate Evelyn Sanguinetti toured Quincy Metal Fabricators with CEO Dan Nuessen. Rauner had appearances in Mount Carmel, Decatur, Bloomington and Champaign scheduled for later in the day.
  • Thirty years later, journey along Mississippi River begins anew for author

    Thirty years later, journey along Mississippi River begins anew for author

    Thursday, October 23 2014 5:14 PM EDT2014-10-23 21:14:03 GMT
    Author Eddy L. Harris traveled the length of the Mississippi River 30 years ago, and now he's doing it again. However, an independent film and production crew traveling with Harris this time, documenting not only...
    Author Eddy L. Harris traveled the length of the Mississippi River 30 years ago, and now he's doing it again. However, an independent film and production crew traveling with Harris this time, documenting not only...
  • Niekamp chastises Erwin for referendum-related comment on radio show

    Niekamp chastises Erwin for referendum-related comment on radio show

    Thursday, October 23 2014 9:53 AM EDT2014-10-23 13:53:16 GMT
    Quincy School Board member Melvin "Bud" Niekamp chastised the board's president, Stephanie Erwin, during the public comment portion of Wednesday's meeting for a comment she made on an Oct. 1 morning radio show. ...
    Quincy School Board member Melvin "Bud" Niekamp chastised the board's president, Stephanie Erwin, during the public comment portion of Wednesday's meeting for a comment she made on an Oct. 1 morning radio show. ...
Powered by WorldNow
All content © Copyright 2000 - 2014 WorldNow and Quincy Herald-Whig. All Rights Reserved.
For more information on this site, please read our Privacy Policy and Terms of Service and Mobile Privacy Policy & Terms of Service.