When it comes to your overall well-being, mental health is just as important as physical health. Whether or not your health insurance will cover mental health benefits depends largely on what company holds your plan, but these days, most health plans do.
The federal parity law requires insurance companies to treat behavioral health and substance use disorder coverage at least equal to regular medical and surgical coverage. For example, an insurance company can't charge you a $20 copay for most medical/surgical office visits, and then charge you a $40 copay when you see a mental health professional.
To be clear, the mental health parity law does not require insurance companies to cover mental health and substance abuse treatment, but fortunately most large group plans already provided such coverage before the law took effect in 2008. Additionally, individual plans purchased from a health insurance exchange are required to cover behavioral health/substance use disorder services under the Patient Protection and Affordable Care Act.