A recent CNN report ("Insurer skips doctors and sends massive checks to patients, prompting million-dollar lawsuit" March 1, 2019 - https://www.cnn.com/2019/03/01/health/anthem-insurance-payments-patients-eprise/index.html) highlights a serious problem faced by medical providers such as mental health rehabilitation facilities in obtaining payment for the services they provide. Health insurers typically allow patients to assign payment for the services they receive in order to permit providers to receive prompt direct payment for their services. This is a unique feature of healthcare in America since this issue does not arise in countries that have single-payer healthcare since there is no need to rely on patients to pay providers for the services they receive.
In recent years, there has been greater recognition of post-traumatic stress disorder, commonly referred to as PTSD. Many veterans returning from overseas conflicts experience PTSD, but the condition is not limited to former military. PTSD may occur following a significant injury or psychological shock and results in persistent mental or emotional distress. According to the Sidran Traumatic Stress Institute, 20 percent of Americans will cope with PTSD in their lifetime with 13 million people experiencing it at any given time.
The common beliefs about how suicide and life insurance intersect are ill-informed, at best.