When Jennifer Merritt’s tween daughter, Lila, needed treatment for severe depression and anxiety, she turned to her insurance. It was a struggle and took many appeals, but she succeeded in getting her plan to cover one of the biggest costs — about 6 months of Lila’s care at $12,000 per month in an out-of-state residential treatment center and school. But there were more expenses, and Jennifer knew she couldn’t cover them on her own.
The deductibles and out-of-pocket payments alone amounted to $34,000, and she expected Lila to stay there for at least a year. Plus, Merritt, a 46-year-old…
