密歇根州的一位青少年自杀企图导致拒绝为必要的住院治疗提供保险,迫使他的家人每月支付26 000美元。 A Michigan teen’s suicide attempt led to insurance denial for necessary residential treatment, forcing his family to pay $26,000 monthly.

密歇根家庭在自杀未遂后努力为16岁的儿子获得住院心理健康治疗, 这凸显了美国医疗体制上的问题。 A Michigan family’s struggle to get residential mental health treatment for their 16-year-old son after a suicide attempt underscores systemic issues in U.S. healthcare. 尽管医生认为他太不稳定,无法接受门诊治疗,但他的保险却拒绝承保,称治疗“在医学上没有必要”,并提出不那么密集的选择方案。 Despite doctors deeming him too unstable for outpatient care, his insurance denied coverage, calling the treatment “not medically necessary” and suggesting less intensive options. 该家庭被迫出售个人物品和削减费用,每月支付26 000美元,以确保Newport学院的护理。 Forced to sell personal items and cut expenses, the family paid $26,000 monthly to secure care at Newport Academy. 专家说,这种住院治疗往往对处于危机中的青年至关重要,但是,由于费用问题和主观标准而导致的保险拒付,使家庭不堪重负,病人面临风险。 Experts say such residential treatment is often essential for youth in crisis, but insurance denials—driven by cost concerns and subjective criteria—leave families overwhelmed and patients at risk. 该案反映了更广泛的危机,数百万美国人,特别是儿童,由于财政和系统障碍,无法获得所需的精神保健。 The case reflects a broader crisis, with millions of Americans, especially children, unable to access needed mental health care due to financial and systemic barriers.