Start your search by taking the time to figure out which companies are going to be best to work with. If you already have health insurance, you need to determine if you have mental health benefits or if they are offered under a separate coverage that you have to pay extra for.
If they aren’t included and the cost is reasonable, go ahead and sign up for them. Of course, you will have to be sure to check out waiting periods and exclusions so that you can get the treatment that you need.
Table Of Contents
- 1. Health Insurance Coverage – Mental Health Coverage That’s Affordable
- 2. Insurance and Mental Health Coverage – A Guide for Parents
- 3. Health Insurance and Mental Health – Tips and Information
Health Insurance Coverage – Mental Health Coverage
Within the past decade or so, there have been many more insurers jumping on the bandwagon to provide mental health coverage to patients in need. Before this, it was very rare to find insurance that would cover such issues. States have changed their laws regarding the availability of this type of coverage and many states mandate that insurance coverage is made available specifically for mental health issues. There are a variety of services and conditions that are covered by health insurance, so it should not be difficult to find the coverage that you need.
Many people know how expensive mental health services can be, which is why it is nice to learn that there are affordable options for mental health coverage. If mental health insurance is not already incorporated in your existing insurance policy, you can expect to pay just a little more each month for coverage. What’s more is that the coverage that you get will offer you effective treatment options because it will include plenty of room to get your expenses paid for by the insurance company. Mental health insurance is available to be used for problems like depression, anxiety, social phobias, relationship issues, and other mental disorders.
Usually, this type of coverage will allow between 20 and 30 sessions annually for counseling or other professional treatment. Additionally, they will cover 50-80% of the cost of those sessions, allowing your co-payments to be much smaller than what you would spend out of pocket. Some people prefer to use counseling and medical services that can help their mental health issues on a sliding scale, but this is not always the most affordable or even the best route to choose. It is important that you take the time to weigh your options and figure out exactly what health insurance coverage you need to get the affordable treatment that you deserve.
When it comes to getting mental health coverage with a traditional health insurance policy, you will want to shop around and compare your options.
Every company has different allowances and types of coverage for mental healthcare, and you need to find what suits you best. Find a reputable insurance company that has good coverage and affordable rates.
You can do this online or by talking to a health insurance agent, who offers free consulting and quotes with no obligation to buy. With the availability of mental coverage, you have no reason not to check it out.
Insurance and Mental Health Coverage – A Guide for Parents
When parents first shop around for health insurance to cover their families, they seldom concern themselves with what is covered in terms of mental healthcare. As parents, we never expect to have a child with a mental health diagnosis, therefore we seldom assume the need for mental health coverage. Unfortunately, parents often realize too late how important factors such as exclusions, coverage limitations, and annual or lifetime benefit amounts are to their child’s mental healthcare. Often these areas are not even recognized as being important until after a child has received a mental health diagnosis.
Families participating in managed health insurance plans have the additional burden of reviewers and/or case managers who decide what treatments and other medical expenses are covered. For example, many managed care plans will require a psychiatrist to submit medical records and treatment plans for review before determining if and how much the insurance company will pay. This can be extremely frustrating for parents when their insurance and mental health coverage specifics do not match with a doctor’s proposed treatment plans. Such conflicts can often leave parents with a choice between foregoing a proposed treatment plan and paying out of pocket for medications, hospitalizations, therapy, or respite care.
Even when a parent’s health insurance and mental health coverage pays for most treatments and other associated expenses, the issue of annual and lifetime benefit limits can once again leave parents with limited choices. For those without the financial resources to pay for non-covered mental healthcare, treatment plans may be abandoned or parents may have to seek financial assistance from federal or state medical programs. For those with financial resources, paying out of pocket for ongoing mental healthcare after plan limits have been maxed can drain family finances to the breaking point.
The best advice for any parent with a newly diagnosed child or family member in need of mental healthcare is to immediately review their health insurance policy. Understanding the specifics of their health insurance and mental health coverage will help parents prepare for later expenses. For example, if only limited doctor visits are allowed, parents will have time to appeal policy limitations or talk with case managers before coverage ends.
Health Insurance and Mental Health – Tips and Information
Even just 10 short years ago, mental health coverage was not an option on many health insurance plans. Too many people still had the stigma and assumptions about mental health in their minds, both professionally and personally. As more states began mandating this type of coverage, insurance companies became more accepting of mental health issues as actual claims for insurance coverage purposes. When you are searching for mental health coverage, it will be easier than it might have been a decade ago, but it still requires some time and attention on your part.
Start your search by taking the time to figure out which companies are going to be best to work with. If you already have health insurance, you need to determine if you have mental health benefits or if they are offered under a separate coverage that you have to pay extra for. If they aren’t included and the cost is reasonable, go ahead and sign up for them. Of course, you will have to be sure to check out waiting periods and exclusions so that you can get the treatment that you need.
If you do not have insurance or if the cost of adding mental coverage to your existing insurance is too much, you will want to find insurance companies that offer this coverage. See what types of limits and covered services they include, and what the costs of the coverage are. Compare these different policies to find the best coverage for your mental health needs. The average offering from insurance companies is about 20-30 visits with a mental health professional each year, of which about 50-80% of the costs are covered. If you do not find a plan this good, keep searching.
A lot of times, people wind up needing medications that are on the controlled substances list or dangerous in the minds of the insurance company. If you are prescribed benzodiazepines (Xanax, Adderall, etc.) or anti-psychotics that are strong (Lithium, Zoloft, etc.), you will have to check out their requirements for covering those prescriptions. Some insurance offers no prescription coverage while others will only offer limited coverage. There are even some health insurers who will severely limit the prescriptions that you can have by quantity, frequency of prescription, and other factors. Make sure that you get a comprehensive plan for mental health coverage. This is something that is completely feasible in today’s private health insurance industry and you should take advantage of it.