Therapy Covered With Insurance
1. What Kind Of Insurance Plans Are There For Therapy?
There are many ways and different purposes in paying for mental health treatment. While most of us are familiar with auto insurance and what coverages come with our plans, mental health treatment is definitely more nuanced. Many ask themselves, "does insurance cover therapy?" What is covered by health insurance and what isn't can be confusing at first?
For example, the Mental Health Parity and Addiction Equity Act is a component of the Affordable Care Act that says it is within your rights for large health insurance providers and health plans to provide equal coverage and protection for mental health for Americans (including substance abuse disorder services and treatment). In other words, insurers are not allowed to offer undesirable options when it comes to mental health services or substance use disorder services, versus the coverage for aspects such as physical health or surgical benefits. It likely doesn't matter if you have Blue Cross Blue Shield or some other insurance plan, since this is a federal law. Contact your insurance provider for more information.
2. What Different Types Of Therapies Does Insurance Cover?
Unfortunately, there are no fast and easy answers to the question of whether your health insurance plan will cover your therapy sessions or provide coverage for mental health provider services. The rules might not be as clear-cut when it comes to looking into benefits related to mental illness as opposed to something like surgical benefits. Some plans may not consider mental health to be an essential health benefit, despite the law.
The health care reform law doesn't mandate small health insurance companies with fewer than fifty employees in their business to have health insurance cover mental health and the cost of therapy even when you submit a claim or even multiple claims. A therapist's office can also help with these questions and you can always check with your health insurance benefits department or insurance company agent to verify what level of mental health coverage you have. Furthermore, you might be able to look into the specifics of your insurance account online, to determine what services are covered by insurance.