EAPs: A Hidden Resource

It’s been a long time since I’ve had a full-time job with health insurance benefits. Six years, to be exact. But even when I had my own benefits available, ever since my husband and I got married in 2003, we always went with his benefits plan because his employer seemed to have the most robust plan for the lower price, compared to mine.

I’ve never paid much attention to the details of our health insurance plan. To me, insurance is a necessary evil. All I knew was that it had morphed over the years from co-pays to deductibles, and when enrollment time came around I’d complain to my husband that we seem to be paying more with each passing year and yet we’re getting less and less coverage. A sign of the times, I guess. Still, I’m extremely grateful to have insurance at all.

We used to pay a co-pay for visits, and had to get referrals to see specialists, but last year and this year we moved to a deductible plan. Now instead of co-pays, we pay a premium each pay period, have a {pretty high} family deductible to meet, and once that’s met, the insurance plan covers our doctor’s visits at 100%.

I hadn’t been to the dermatologist since 2009, and with the recent news reports about skin cancer, Ben and I decided it was time he and I get checked. I called our provider to double-check that I didn’t need a referral, since I couldn’t for the life of me remember. The customer service rep I spoke with reminded me that referrals weren’t required with our plan. While he was reviewing our account, I happened to make a comment about how far we were from meeting our deductible and the cost of doctor’s visits, and how I’d love to be able to see my therapist again but since I’m working for free to start-up my non-profit and we’re living on one income right now it wasn’t really possible.

Here’s where the Employee Assistance Program comes in. The rep told me that my husband’s company participates in an EAP which would allow for me to see my therapist for eight visits completely free, if I qualified after speaking with an intake counselor over the phone. I immediately asked to be transferred and had a ten-minute conversation with a kind woman who assured skeptical ole’ me that the benefit was most certainly available for my use and she’d email me the authorization code so I can book my appointment. There’s nothing dire going on with me, just the usual stress of being a stay-at-home mom who is struggling to balance life and work and family and if given the opportunity to talk with a professional about it, I’ll jump at the chance.

{Happy dance! I’m going back to therapy!}

I went ahead and booked appointments two weeks apart for September, October, November and December and then decided I needed to blog about this.

Maybe you’ve been feeling really down lately, or you’re struggling with your anger management and it’s affecting your home life. Or your glass of wine with dinner has turned into two or three, or maybe an entire bottle. Financial worries are giving you anxiety attacks and you are at a loss when it comes to what to do. If the weight of everyday life is crushing you and you’re gasping to catch your breath, it’s time to stop feeling ashamed and do something about it.

EAPs aren’t just for the employee, people! They include every family member on the plan, from what I understand. They can offer assistance in the following areas:

  • Counseling Services (Alcoholism, Substance Abuse, Mental Health issues, etc.)
  • Occupational Stress and Emotional Distress
  • Financial and Legal Advice
  • Family Support
  • Help with Work and Home Relationships
  • and more

Maybe I’m just naive in my estimate that many folks out there don’t realize they have access to this valuable resource. I certainly didn’t, even though they mailed us information and I read it and put the magnet on our fridge.

Buddhaquote

My point is, if you’ve been wrestling with a personal issue and need someone to talk with, check your health insurance plan and see if you have access to an Employee Assistance Program. You may be pleasantly surprised and on your way to a happier, healthier you.

Do it for yourself, do it for your family. Namaste.

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