Does Health Insurance Cover Mental Health Services?

Mental health is essential when it comes to our well-being. Unfortunately, getting mental health care can be expensive, but if you have health insurance, chances are your policy provides some coverage for mental health care.

There are many health insurance plans, and each has its coverage, limits, and approved providers. Checking in advance to ensure you fit the criteria for mental health services and using an in-network provider can help you get the coverage you need. Here are some health insurance plans that may cover mental health services.

Employer-sponsored health insurance: Companies with over 50 employees are mandated to provide health insurance to employees. While health insurance doesn’t necessarily need to include mental health services, the company can provide a form to get it.

Affordable Care Act health insurance: This health insurance plan is purchased through the Health Insurance Marketplace under the ACA and is required to cover certain essential services, including mental health services.

Medicare: Original Medicare Part A covers behavioral health services, while Parts B and C cover mental health services.
Medicaid: This health insurance plan is required to provide mental health services.

How To Know If Your Health Insurance Covers Mental Health

You can determine if your health insurance policy covers mental health services through the following:

  • Call your insurance provider
  • Log onto your insurance account online
  • Ask your company’s HR department
  • Ask the therapist if they accept your insuranceYour insurance provider is there to help you and provide a list of resources you can contact for mental health services.


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