Dear Howard Stern: People in my profession are utterly thrilled to witness you on the talk show circuit crediting psychotherapy as a life-transforming experience. What may come as a surprise to you is that the quality of talk therapy that was available to you—time-intensive, in-depth sharing of feelings, exploring childhood traumas, examining and changing difficult personality traits—is steadily becoming unavailable to the average American seeking mental health care.

A little-publicized legal decision was just issued by Judge Joseph C. Spero of the U.S. District Court of Northern California that anyone who plans to use their mental health insurance coverage to secure needed care will want to school themselves on. Ruling on a class action lawsuit brought against United Behavioral Health (UBH), a subsidiary of UnitedHealth Group, the nation’s largest health insurer, Judge Spero drew the conclusion that UBH had reneged on its fiduciary responsibility to policyholders by adopting treatment guidelines that focused on cost savings through limiting coverage to the management of acute mental health episodes.