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The Transition House Blog

How do I know if I am covered for mental health services?

Posted by Jennifer Dellasanta on Aug 21, 2015 3:34:34 PM

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.

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Topics: Substance Abuse, Counseling, Insurance, Mental Health services

Will insurance cover my therapy?

Posted by Jennifer Dellasanta on Jan 26, 2015 12:42:02 PM

You’ve been told counseling or some other type of therapy would greatly improve your mental health, but wonder will insurance cover mental health services.

Say your child may be suffering from depression and you wonder whether that treatment will be covered.

Many insurance plans do cover mental health services, but coverage depends on the provider and which state you have your coverage. Because of those variations, a good first step should be reviewing your health insurance policy or contacting your employer’s human resources department, according to Mental Health America.

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Topics: Counseling, Insurance, Mental Health services

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The Transition House is a behavioral health organization serving the public in Florida and Tennessee.

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