Are Mental Health Treatments Covered by Health Insurance?

According to State of Mental Health in America 2018’s report, more than 40 million Americans have a mental health condition. That’s why getting help when you have a mental health condition is really important, however, many people don’t know that they may have coverage for mental health treatment on their current health insurance plan. Although not all health plans are required to offer coverage for mental health treatment and services, many employer group insurance health plans do offer the coverage since health care reform.

It is important to understand what your options are for mental health coverage, how to get coverage or access it on your health insurance plan as well as what additional options are available to you. If you are wondering what are the best health insurance options for mental health treatment, here’s the scoop:

Employer sponsored group insurance has different criteria, however most employer health plans will cover mental health services as well. For example, if your employer has more than 50 employees, then they likely fall into the category where they may provide mental health services in their health group insurance plan.

Every health insurance policy has conditions of coverage, deductibles that have to be met, co-pays, co-insurance, and exclusions. For example, if the mental health service you are seeking reimbursement for is excluded, you may be out of luck even though your policy may cover other types of mental health services. It is really important to find out from your health insurance provider if the service you are going for is covered before you get services to make sure you don’t have any surprises when you try and file a health insurance claim.

Like any other coverage, your health insurance policy may have specifications of who you need to get your services from in order to be paid. If your health insurance plan has a network, then you need to find out if the psychologist, therapist, or mental health services provider is “in- network” in order to expect to be covered. Again, it is really important to contact your health insurance provider to get all the details about who you can get services from and how much will be covered.