Hello,

I asked a question a few days ago in Answers about whether health insurance covers psychologists. I talked with Cigna (My health care provider through Healthy New York, the state's "affordable" insurance plan for the uninsured). They sent me a list of psychologists and after many calls, I was finally able to secure an appointment. Since then, I found out that Healthy New York does not offer coverage for mental health. I have been back and forth on the phone between Healthy NY and Cigna all morning. I'm willing to pay a higher preminum for psychological coverage, but both of them are saying there's nothing that can be done. I really need a psychologist, is there anything I can do? I'll provide details as they're needed.
Additional Details
Ironically enough, since the two people who replied are total douchebags who have nothing better to do with their lives, let me clarify: I was told by Cigna that the two exceptions under which I could get coverage are if I was in a substance abuse program or if I was detoxing. I could drink away my problems. But I know that won't help me. I can think rationally and clearly. That doesn't make me any less deserving of help. If anything, I'm more deserving. And a question to the second poster, why shouldn't I get help? I'm a 27 year old male, otherwise in perfect health, who is facing some emotional problems and needs to talk to a professional. I haven't used my health plan for anything else so far, and I've had it for nearly a year. This is the one time I need it, to justify the amount of money I'm paying into it every month.