Does Insurance Cover Mental Health?
When someone needs to get treatment for a mental health disorder, they usually have a lot of questions. Chief among them for many people is, “Does insurance cover mental health?” This can help a person decide where to get the care they need and what it will include. Peachtree Wellness Solutions accepts several insurance plans in order to help people get the help they deserve to begin to feel better.
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Does Insurance Cover Mental Health?
When someone decides to embark on finding treatment for any kind of health issue, they want to know what it will cost. A common question for those who have a mental illness is, “Does insurance cover mental health?” Insurance providers, such as Cigna, Blue Cross Blue Shield and Aetna, recognize that mental health is as important as physical health for everyone. As a result, most companies offer some sort of coverage for mental health disorders.
How Do I Know What My Insurance Covers?
There are a few ways to find out what types of treatment for mental health disorders are covered by your insurance plan. First, go to the company website and log in to your account. Information about what your specific plan covers should be easily navigable. For a more personal interaction, you can call the number on your member card and talk to someone. Another option is to contact a treatment center you are considering going to and ask them what your insurance covers.
Some helpful questions you might want to ask your insurance company include:
- What is my deductible and have I met it?
- What is my co-payment for different types of treatment?
- What are my options for treatment in my area?
- Are out-of-town treatment centers covered?
- Does my plan cover medications?
- Can I use both in-network and out-of-network programs?
- Do I need to get prior approval for any program before I start it?
- Is there a limit to how many therapy sessions I can have?
- Is there a limit to the length of time I can spend in an outpatient or residential program?
What is the Affordable Care Act?
President Obama signed the Affordable Care Act (ACA) into law in 2010. Sometimes called “Obamacare”, it made affordable healthcare a reality for millions of Americans. This includes making treatment for mental and behavioral healthcare conditions available, which means both mental illness and addiction. Included in the menu of options available through many of the ACA plans are access to psychotherapy, mental health counseling, outpatient, and residential treatment options. Many people who experience poor mental health also deal with an addiction to drugs or alcohol. A lot of treatment centers offer care for people who deal with this dual disorder, which allows them to receive valuable treatment for both disorders at the same time.
One strong advantage of getting healthcare coverage through the ACA is that its marketplace plans cannot deny someone the care they need if they have a pre-existing condition. This means that if someone has already sought help for mental illness or addiction, they cannot be turned down for coverage with a new insurance provider or treatment facility. Anyone with insurance through the ACA can talk to a representative of their plan to find out what coverage they can expect to receive and at which facilities.
WHAT LEVELS OF CARE ARE THERE FOR MENTAL HEALTH TREATMENT?
Once a person knows that insurance does cover mental health treatment, the next question involves what the options are for different kinds of care. Levels of care for the treatment of mental illness are divided into two categories. The first is residential, which requires the person to move into a facility for a few weeks or months to get very focused care around the clock. The other level of care is outpatient. With this option, the person can still live in their home and travel to a facility for therapy sessions. Some people begin with outpatient care, while others initially enter residential treatment and then transition into outpatient care. An initial assessment of each person will be done by the admitting clinician at a program. This allows them to recommend the appropriate type of care the individual will need.
What Types of Therapy Are Covered By Insurance?
When it comes to helping people improve their mental health, several types of therapy are available. Depending on whether the mental health disorder is curable or not, therapy can help improve a person’s symptoms or help them completely overcome their disorder. Common types of therapy covered by many insurance plans include:
- Individual Therapy
- Group Therapy
- Family Therapy
- Holistic Therapy
- Psychiatry
- Medication-Assisted Treatment
- Biosound Therapy
- Red Light Therapy
- Somatic Therapy
- Neurofeedback Therapy
- Eye Movement Desensitization and Reprocessing Therapy (EMDR)
Because millions of people improve their mental health by taking prescription medications, coverage of them is usually part of an insurance plan.
Find Mental Health Treatment in Atlanta
Do you need the valuable help provided by professional treatment programs to help treat your mental health disorder? If you are wondering, “Does insurance cover mental health?”, we are happy to give you the answers you need about our program. Peachtree Wellness Solutions accepts several types of insurance plans so that we can help as many people as possible. We provide both outpatient and residential programs that suit the needs of a diverse population of people. Our combination of therapies and any necessary medications help you regain your ability to feel good and stay focused on a brighter future.
Visit our admissions page for more information on how we can help you. We provide free insurance verifications and can discuss what services are covered by your policy.
If You are in need of immediate assistance...
Contact us immediately. In the case of a medical emergency, contact 911 or visit your local emergency department.
We Work With Most Insurance
Most major health insurance plans with out-of-network benefits can cover the costs associated with our program. Find out your coverage options right now.
