I keep hearing and actually know of friends suffering from different types of mental health problems (typically bipolar, anxiety, depression) who pay cash eventhough they have health insurance or see a primary care physician over a pychiatrist and just get samples on the down-low to avoid insurance paper trails because they say it will be extremely difficult to get future health insurance or life insurance. How much truth is there to this? Is it worth the trouble to try to keep it discrete, doesnt it eventually get exposed anyhow through forums etc... when applying for health insurance? Why would it be so difficult to gain health insurance or have more obstacles when it is just like any other chronic illness like diabetes, heart diseases, cholestoral, etc... Anyone know of or have experience/knowledge of the insurance mumbo jumbo?