Mental health services, like therapy and substance abuse treatment, are covered equally by health insurance plans, but it wasn't always that way. In this blog, we’ll give you the tools you need to check your health insurance plan for mental health coverage.
What type of health insurance plan do you have?
Certain plans are required by law to cover treatment for mental health conditions in the same way they cover treatment for physical health conditions. This includes:
- Insurance provided by your employer
- Health insurance plans that were purchased on the health insurance exchange
- Children’s Health Insurance Plan (CHIP)
- Medicaid plans, but coverage can vary
Knowing what type of health insurance you have will give you a better idea of what type of mental health services are covered in your plan.
Is your mental health condition covered by insurance?
Insurance plans can cover everything from therapy for depression to residential treatment for substance use disorder. While mental health services are covered under essential health benefits, insurance companies can still decide which conditions - both mental and physical - they wish to cover and exclude. Fortunately, you can easily find out what is covered by your insurance plan by finding the mental health benefits section of your plan description.
If you are seeking a specific treatment and you’re not sure if it is covered by your insurance plan, call your insurance provider.
Does your healthcare provider accept your insurance?
If you already have a healthcare provider or know of one that offers mental health services, you can call and ask if they accept your insurance plan.
If you need to find a therapist or addiction treatment program, you can go directly through your insurance provider to get a list of healthcare professionals and counseling centers that are in-network, meaning they will accept your insurance.
Visit your insurance provider’s website. Many of them have a “Find a Doctor” tool that allows you to search for healthcare providers in your area. You can typically search by location, specialty and even languages spoken. You’ll likely need to know your plan name and identification number since health coverage varies by plan.
If you can’t find this tool on your insurance provider’s website, you can always call to get the information you need.
How much will your therapy cost with insurance?
To find out how much therapy will cost with your insurance plan, you’ll need to know what type of fees you are required to pay. Do you have a deductible? Are you responsible for a co-pay? Is your plan a coinsurance plan? Depending on the type of plan you have, your payment will vary. To learn more about how much therapy costs, check out this blog.
Like any other health condition, you should seek help immediately if you suspect you or a loved one is struggling with mental illness or addiction.
If you’re ready to speak with a counselor, we are happy to help. We provide a variety of mental health treatment options at our counseling centers. To see a list of insurance plans we accept, click here.