The objective of the insurance companies is to maximise profit for the shareholders. Mentally sick are not profitable especially when they live under the bridge. State should take the responsibility for paying.
You got that right. I think, besides the State helping when someone is diagnosed with mental illness, there should be research money spent to find out how to prevent some of the mental illnesses......this would be better for the person and society. Develop some kind of tests.....it would take a long time to do this, but in the end, it may help, all concerned.