Well there's the thing, we know absolutely that we are covered and that it will not cause us any stress either financially, or with worrying about whether insurance will cover it. Or even if insurance will cover us, if you have a long term condition quite young, then you are going to face problems getting insurance later in life. The absolute cover is very nice to have for psychological conditions as it means that those who need help can get it far easier which makes things safer for everyone.
so I am told, one of the primary reasons you guys have such a high cost is that people leave minor issues until they become much more difficult and expensive to treat.
You are VERY right about that. But, that's even true for those who has insurance... you still need to get those peoples into the doctor's office.
Which would be far easier if people didn't have to worry whether the condition they are diagnosed with will be covered by their insurance.
Bankruptcies doesn't seem such an issue in terms of scale, but it still can't be nice for those who are faced with such a situation.
I've just found out my mum has had a fall, hurt her wrist, and is in hospital now having an x-ray, I'm just thankful that her only worry is her wrist.