I am preparing for tommorow's visit to the psyciatrist and, frankly, worrying about whether insurance will cover the appointments. Reading through the policy brocheure , I notice that they will pay for 80% mental health care after the deductible. I also notice under their extensive list of things they will not cover they include "conceptual handicap". I cannot find what this term means. Internet searches only bring up other insurance policies. No one defines it, but other policies differentiate between "conceptual handicaps" and attention deficit disorder. Any idea what this is? Does this apply to ADD or is it something else, like paranoid schizophernia?

According to literature ADD is considered .

NYU Dept. Phychiatry (http://www.med.nyu.edu/psych/psychiatrist/adhd.html)
***Source QuoteADHD is a common neuro-psychiatric condition***End Quote

so it would not be classified as a contextual disorder by the medical community.

Just in case you still have doubts

University of Maryland (http://www.umm.edu/patiented/doc30full.html)

***Source Quote
WHAT IS ATTENTION-DEFICIT HYPERACTIVITY DISORDER?
In 1998, the National Institutes of Mental Health agreed that attention-deficit hyperactivity disorder (ADHD) is indeed a legitimate psychologic condition even though its definition has not been fully pinned down.
***End Quote

Hope this helps