I have not seen mental health mentioned here yet as a factor in rising healthcare costs. My HSA/HD Plan has almost ZERO mental health doctors in network. Provi

I have not seen mental health mentioned here yet as a factor in rising healthcare costs. My HSA/HD Plan has almost ZERO mental health doctors in network. Providers have been fleeing in droves (especially from UHC) because the insurance companies continue to lower payouts. I went from spending a co-pay for mental health care for 3 of my kids to paying out of pocket until I reach my out-of-network deductible, which I never do because it's 10K. I spend thousands of dollars per year on this and there is not much I can do about it. In some cases I've reduced frequencies of visits but the value of these types of doctors cannot be overstated in some cases. I credit my son's psychologist for his ability to function in society today. But she told me she can't take UHC because after costs she was making 10/hour. Lack of in-network mental health coverage is a huge travesty.