One of us is a national behavioral health advocate whose peer support work ignited a decade-long journey to reform the system. As a peer supporter, I have worked with several youths and young adults who became entangled in insurance nightmares. One person’s therapist stopped taking insurance after two years because she was not getting paid on time and was losing money on the low reimbursement. They could not afford to pay and went without care for the remainder of their college education. Another young adult turned 26 and found that their therapist of six years was suddenly out-of-network now that they were off their parents’ insurance plan. They were forced to find a new therapist, and over half of the providers on the plan-provided list never responded.
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