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Does Health Insurance Cover Mental Health Therapy Or You Have To Pay

Mental Health Therapyvia

Hectic lifestyles and busy schedules have created many health-related issues in youngsters. The most common problems are mental health-related issues. Problems like obsessive-compulsive disorders, loneliness, anxiety, insomnia, depression are increasing. These things we ignore most of the time, and it can be hazardous. We buy life insurance, car insurance, home insurance, but the insurance we should not overlook is health insurance. Health Insurance is vital because health-related issues take a lot of your savings.

Choosing a proper plan according to your requirements is also a challenge sometimes. Before selecting any health insurance plan, we need to understand a few things. ‘Does health insurance cover mental health therapy and counseling’? One of the very first questions that come in the mind of the people when it comes to therapy is how much therapy costs, with and without insurance. The answer to this question is it depends on the type of health insurance plan you have. However, mental health care is becoming more affordable.


Does Health Insurance Cover Therapy For Mental Health Care?

Mental Health Therapy

Legislation has been enacted that falls under the Mental Health Care and Parity Act (MHPA) to require that health insurance for mental illness covers therapy and behavioral health treatments. Also, under MHPA, the broader health insurance companies that have more than 50 employees are required to provide the coverage of health insurance that covers medical health and mental health services. The MHPA is a component of the Affordable Care Act that required large health insurance providers to provide equal coverage for mental illness.

What has been covered in your health insurance can be a very confusing question sometimes. It is true, especially in cases where insurance plans include mental health services like psychotherapy and counseling. The best thing you can do is ask your health insurance provider directly before going for any sessions, therapy, or counseling. They can answer based on your specific health insurance plan.


Do Therapists Accept Health Insurance?

Mental Health Therapy

Many therapists and counselors accept health insurance. The best you can do is ask the therapist. You can contact them well in advance and check with them to see if they take health coverage for mental health care services.


Will Online Therapy Help?

Mental Health Therapy

In some cases and issues, you do not have to personally visit the therapist. You can connect with them online. Many options are there that can be very affordable, like BetterHelp. BetterHelp provides online therapy and has a network of licensed counselors available to you from anywhere. They have affordable out-of-pocket rates. It is cheaper for the people who do not have health insurance, and for the people who have insurance but also have a high deductible.


Essential Questions To Ask Health Insurance Providers

Mental Health Therapy

When you want to know what your health insurance plan covers or you want to buy health insurance, you can ask your health insurance provider these several questions over the phone.

  1. Does my health insurance plan cover therapy?
  2. Are there any specific services that my health insurance plan does not cover?
  3. Any specific number of therapy sessions per year?
  4. Where can I find a list of therapists who take my insurance for therapy and other mental health-related issues?
  5. Does the therapist I want to see accept this insurance?
  6. Do I have a deductible to pay before my health plans cover services under my policy?
  7. Is there a discount if I bundle my other insurances?

These are things we need to keep in mind before opting for any health insurance if mental health issues are something you face.

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Praneet Samaiya
the authorPraneet Samaiya