I'll try be brief. 40+, never been to a mental health professional.
Since about 15 chronic and persistent substance/alcohol abuse, gambling
addictions, depression, went through a divorce and was a bit suicidal at
that point but never admitted or too ...
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I'll try be brief. 40+, never been to a mental health professional.
Since about 15 chronic and persistent substance/alcohol abuse, gambling
addictions, depression, went through a divorce and was a bit suicidal at
that point but never admitted or too close, ideation I guess, all the
time being career minded and relatively successful (money focused) which
enabled sustaining issues. Now the main point, I definitely felt I had a
limited future, so about 10 years ago signed up to a lot of life
insurance policies, only a reasonable amount considering dependents and
income etc. Obviously when I filled in the form for this, my answer was
that I do not have any history of mental illness, depression, substance
abuse etc etc So now, finally I guess, I've come to the realisation that
I definitely have a chemical or imbalance due to certain self medicating
that I can be better, so I want to go and see a psychiatrist and
discuss, not a psychologist, because while I'm happy to talk, I know I
need more than just talk, and want medicine to be considered, even if
its just temporary or their decision is I don't need medication. (I
understand its not a quick fix, or a magic pill). But I don't want to
keep moving around doctors telling my very long, problematic history. So
two things: 1) I am concerned about invalidating my life insurance, my
going to a doctor being on the record. 2) I don't really even want to
talk to a GP about too much detail, mostly for the same reason, but
obviously a referral has its advantages. - Can I pay direct to a
psychiatrist, pay full price (no referral) then they self-refer me to
then have future options of rebates etc. - or Can I just go to a GP and
say, don't want to talk about it, its personal, but I want a referral -
Can I keep this 100% confidential, not disclose me going to a
psychiatrist, not so much for future policies, but also to prevent it
invalidating due to I guess potential deception in signup historically
(even though these policies have been active for 10+ years) Apologies if
this is a bit chaotic and not clear. I guess I want help, but I know
about the discrimination, generalisations and issues that can happen so
hesitant. Thanks.