The Americans with Disabilities Act has provisions that deal with that sort of issue. Insurance cannot deny CURRENTLY prescribed medications. Nor does it delve into the relm of "Pre-existing" disorders. A disorder is a disorder regardless. There are no time limits in crazyland, only qualified therapists and doctors who make a sound diagnosis. In my case, the ball was dropped on many an occasion, and it was not until I was 25 years old, and responsable for my own life, that a correct and thorough diagnosis was made on my behalf.
This saved the School Board, State of Florida, United States Army, HRS, and others countless thousands of dollars while I squandered my youth working for dead end Temporary Services and being among the newly stamped "working poor" all so Ronald Reagan could defeat the Evil Empire. At least I got over it, but I will step in and shout out my two cents worth from time to time. I hope this was of some help for you folks.