Therapy and Insurance: Does Your Insurance Really Have Mental Health Coverage?

Many people consider therapy to be highly necessary when you have a problem like depression or PTSD. However, not many think about it so carefully before they actually end up having a problem like that, either after a breakup, an accident or some form of traumatic event and that has affected them during the past […]

Written By gfftechadmin

On June 23, 2020
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Many people consider therapy to be highly necessary when you have a problem like depression or PTSD. However, not many think about it so carefully before they actually end up having a problem like that, either after a breakup, an accident or some form of traumatic event and that has affected them during the past few months of their lives.

 

The fact is that mental health coverage varies depending on the insurance company and premium that you are associated with. In some cases, simply getting hired for a job that requires being in stressful situations can give you great mental health coverage, if the company you work for is responsible enough to do that for their employees. Most of the time, however, you will have to apply for additional insurance if you want to have your future anxiety therapy sessions covered at least to some extent.

 

To check to see if your insurance plan covers mental health, either contact an HR representative at the company you’re working for, look through your health insurance policy yourself, or contact your insurer directly with the question. You should get the same answer in all three cases.

 

Also, be aware that the mental health parity law passed in 2008 ensures that all insurance companies are required to treat mental health and substance abuse policies the same as any other healthcare plan they have. So, if you are charged a $30 copay for a regular visit to a medical clinic, your insurance company is not allowed to charge a higher copay for a visit to your therapist.

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