The mother of an Arizona man who died after being unable to find mental health treatment is suing his health insurer, saying it broke the law by publishing false information that misled its customers.
Ravi Coutinho, a 36-year-old entrepreneur, bought insurance from Ambetter, the most popular plan on HealthCare.gov, because it seemed to offer plenty of mental health and addiction treatment options near his home in Phoenix. But after struggling for months in early 2023 to find in-network care covered by his plan, he wasn’t able to find a therapist. In May 2023, after 21 calls with the insurer without getting the treatment he sought, he was found dead in his apartment. His death was ruled an accident, likely due to complications from excessive drinking.
Coutinho was the subject of a September 2024 investigation by ProPublica that showed how he was trapped in what’s commonly known as a “ghost network.” Many of the mental health providers that Ambetter listed as accepting its insurance were not actually able to see him. ProPublica’s investigation also revealed how customer service representatives and care managers repeatedly failed to connect Coutinho to the care he needed after he and his mother asked for help. The story was part of a yearlong series, “America’s Mental Barrier,” that investigated the ways insurers employed practices that interfered with their customers’ ability to access mental health care.
I owe my psychiatrists office thousands, because none of my employer provided insurance options has ever covered it. The best “coverage” I had was up to 10 therapist visits per year. No coverage of the medical visits, and when I needed therapy every other week, they did not cover any of it. I’m lucky that they have not cut me off. And if they do cut me off, I’m properly fucked. I can’t go off of my meds, I just can’t function properly without them. I’d quickly end up in a very serious situation.
That’s a really sucky situation to be in. I’m glad that they haven’t cut you off, but I can imagine that the stress of the possibility makes engaging with therapy harder than it should be.
It really highlights for me, the lack of empathy of the insurance companies, and the general public at large. They want people like me to be functioning members of society, but don’t care enough to offer proper resources for us. My mania results in destructive impulsivity, in combination with extreme emotional/mood swings that make maintaining relationships exhausting for those around me. The meds help keep me evened out enough to function. People don’t understand the plight of those with mental disorders (and mine is nothing compared to those who have it much worse), so they respond with apathy most of the time.