GMTom wrote:...nothing to do with health care coverage in the least...
You seem quite dedicated to the idea that health insurance has little to do with mental health care, or should have little to do with it, or wouldn't impact it, or something. It's a bit of a head-scratcher for me.
Ricky had mentioned psychosis intervention programs. I imagine they could take many different forms. In the USA probably one of the best forms would be something located in public schools, where minors are subject to a certain amount of being ordered around and are used to taking tests. I'm picturing one trained psychologist who can teach the teachers, administrators and guidance counselors what to look for; perform diagnostic testing/interviewing when a student is referred; provide some amount of counseling/therapy; and refer the patient to appropriate specialists as needed. Wouldn't it be nice if every large High School had someone like this? [I know some already do, but are they full-time? Are they themselves well-trained? Wouldn't such a post be about the worst possible job for a well-trained professional (as most would likely see it)?]
Health insurance might be relevant to that last activity - the referral to a specialist. Maybe the city, county or state employs enough mental health professionals, including psychiatrists and others who are competent to prescribe anti-psychotic medications (which is no simple matter), so that "insurance" per sé doesn't have to be used. You just go to the big clinic where everyone is on the public payroll, or to the local medical school or teaching hospital where senior residents in psychiatry see patients for free as part of their training. Unfortunately, the supply of such no-cost mental health care is not even close to meeting needs. So, unable to find a publicly-funded resource for the patient, mightn't the school counselor's next recourse be to ask the parent(s) of the child if they have the means to finance care themselves?
A private psychiatrist's fees to diagnose, prescribe, and monitor meds for a year probably starts at about $1,000. Some will be much more expensive. And that assumes no real therapy - just drugs. Therapy for a year from someone trained to deal with violence-prone psychotics at just an hour a week would run at least into the thousands of dollars.
In the USA we do not have a sufficient supply of government-employed professionals to even begin to meet the need. In fact, it's questionable if we even have enough when you throw in all the pros working in private practice and/or for HMOs, medical groups, private clinics, and so on.
So imagine our school specialist has informed the parents that their kid ought to see a pro, and assume the parents don't get all defensive but instead accept the recommendation. Perhaps they are affluent enough to afford the $4,000 to $20,000 or more per year the care of their kid might cost. (And I'm not even including the cost of meds - some of which are quite expensive.) Perhaps they are so poor they're eligible for Medicaid, or their kid at least is covered by some form of public coverage, and perhaps these types of expenses are covered thereunder. Or perhaps they have private insurance that includes both coverage for the kid and coverage for mental health.
Or perhaps they have none of these. Or perhaps they might be able to pay out of pocket if they scrimp elsewhere but because they are skeptical about the diagnosis, or about the mental healthcare profession in general (hardly an unknown attitude), or don't want to admit their kid isn't perfect, or see such a diagnosis as a reflection on themselves, or are just selfish about the money, they end up not getting the kid the care he needs. Ricky has suggested (at a minimum) that in some of these situations having government-subsidized health insurance instead of none might make the difference between the kid getting care and not getting care. I can't find any flaw in that assertion.
It's possible that Loughlen could have been treated quite effectively at fairly low cost. Anti-psychotic meds can be amazingly effective. Any number of factors might influence why Loughlen wasn't taking such meds, assuming they would have helped. It's entirely possible that if Ricky had been dictator of the USA for the last ten years and instituted all the taxpayer-supported health programs he wanted, Loughlen would never-the-less have shot Gifford. But it's also possible that any number of government programs, from support for schooling of mental health pros to employing them by the cartload in public health programs to subsidizing or providing insurance with adequate mental health coverage to those who don't already have it, would have made the difference. It seems to me to be silly to deny that possibility simply on the basis of holding a political philosophy that prefers less government to more. It would be more reasonable to argue that the costs would exceed the benefits, or that getting government more involved in mental health care provision puts it on a slippery slope to being able to define libertarianism as a psychosis. (wink)