Mental health care still suffers a stigma in our society, so it's often not covered at the same level as other health problems. If you or a family member needs psychology help, check your insurance policy carefully. You may find that mental health care is capped at an unreasonable level, or that the reimbursement is minimal.

There's no shame in asking for psychology help. If you're uncertain where to turn, ask your primary care physician for a referral. They should be happy to help, and it's possible that your health plan requires you to obtain a referral first in any case.

Serious illnesses, like cancer and diabetes, can have psychological impacts that it's unwise to ignore. Once you've been diagnosed, it's a good idea to keep a referral on file for a psychology specialist whom you can turn to if you find that it's necessary.