Health insurance and postpartum depression
" ... one possible consequence of a diagnosis: Life and disability insurance providers have sometimes penalized women with these mental illnesses by charging them more money, excluding mental illness from coverage or declining to cover them at all. And it’s perfectly legal."
I worked in a counseling center that offered free psychological services to medical students, who refused to use the service because after graduation, they would be obligated to tell the Medical Licensing Board that they had done so. The Medical Board could deny them a license to practice medicine on the grounds that they might not be mentally stable. Which would you rather have, a physician who has experienced depression and sought help, or a physician who is secretly depressed and avoids getting help because of the risks of doing so? This is just like a new mother with depression, who might avoid using the very insurance that promised to help her, but never mentioned possible consequences.
This paradox is similar to Catch-22, from the WW II novel of the same name by Joseph Heller. If a crew member did not want to fly more dangerous missions, that meant that he was sane and had to do it. But if he wanted to fly more missions and risk getting killed, then he was insane and did not have to fly more missions.