Our expert says:
In your title, I'm guessing you mean "Cyclothymic", which in a personality variation like a mild version of Bipolar Disorder.
In my experience, just as the government has discriminated against mental illness for decades by providing sub-standard services, so most medical aids and insurance companies discriminate, providing sub-standard or limited cover by comparison to physical disorders many of which are potentially far more under control of the individual themselves.
Your own shrink should be able to assess the situatio best, both in terms of the most accurate diagnosis, and in how it opught to be treated by Insurance companies, etc. And he/she could perhaps intervene by writing to them, in a way that night be helpful. I wonder on what specific information they are relying in making these decisions about you
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