Mental Health Services
Your mental health is just as important as your physical health. Our plans provide comprehensive coverage for therapy, counseling, and psychiatric care so you can get the support you deserve.
Your mental health is just as important as your physical health. Our plans provide comprehensive coverage for therapy, counseling, and psychiatric care so you can get the support you deserve.
Mental health conditions affect one in five American adults each year, yet many people don't seek treatment due to cost, stigma, or lack of access. Depression, anxiety, bipolar disorder, and other mental health conditions are real medical conditions that deserve the same attention and coverage as physical health problems. Left untreated, mental health issues can affect every aspect of life, from work performance to relationships to physical health.
The Mental Health Parity and Addiction Equity Act requires health insurance plans to cover mental health services on par with medical and surgical benefits. This means you're entitled to the same level of coverage for mental health care as you are for physical health care. However, navigating mental health benefits can be complex, and many people don't know what services are available to them.
Our health insurance plans provide comprehensive mental health coverage that includes therapy, counseling, psychiatric care, and crisis services. We believe everyone deserves access to quality mental health care without financial barriers. Whether you're dealing with everyday stress, a specific mental health condition, or a crisis situation, our coverage ensures you can get the help you need.
One-on-one sessions with licensed therapists, psychologists, and counselors. Coverage includes cognitive behavioral therapy (CBT), dialectical behavior therapy (DBT), EMDR, and other evidence-based therapeutic approaches.
Psychiatric evaluations, diagnosis, medication management, and ongoing psychiatric treatment. Psychiatrists are medical doctors who can prescribe and monitor medications for mental health conditions.
Family therapy and couples counseling to improve communication, resolve conflicts, and strengthen relationships. Particularly valuable when mental health issues affect the entire family system.
Comprehensive treatment for depression, generalized anxiety disorder, panic disorder, social anxiety, PTSD, OCD, and other mood and anxiety disorders through therapy and medication management.
24/7 crisis hotlines, emergency mental health services, and crisis intervention. Inpatient psychiatric hospitalization covered when medically necessary for safety and stabilization.
Virtual therapy sessions via video or phone from the comfort and privacy of your home. Telehealth makes mental health care more accessible, especially in areas with limited providers.
Regular therapy sessions, typically weekly or bi-weekly, with a licensed mental health professional. This is the most common form of mental health treatment, effective for depression, anxiety, trauma, relationship issues, and personal growth. Sessions usually last 45-60 minutes.
Structured treatment programs involving several hours of therapy multiple days per week. IOPs provide more intensive support than weekly therapy while allowing you to live at home and maintain daily responsibilities. Ideal for moderate to severe conditions.
24-hour care in a psychiatric hospital or residential treatment facility for severe mental health crises, suicidal ideation, or conditions requiring constant supervision. Inpatient care provides intensive treatment and safety during acute episodes.
Psychiatric medication services including initial evaluation, prescription, and ongoing monitoring of medications for conditions like depression, anxiety, bipolar disorder, ADHD, and schizophrenia. Regular follow-ups ensure medications are effective and well-tolerated.
Mental health coverage has improved significantly, but understanding how to use your benefits effectively helps you get the most from your insurance:
Federal law requires insurance plans to cover mental health benefits at the same level as medical benefits. This means similar copays, deductibles, and visit limits. If your plan covers unlimited doctor visits, it must cover unlimited therapy visits too.
Using in-network therapists and psychiatrists significantly reduces your costs. Our network includes thousands of mental health providers, from individual practitioners to large behavioral health practices. You can search our provider directory or call member services for help finding someone who fits your needs.
Some intensive mental health services, like inpatient treatment or intensive outpatient programs, may require prior authorization. Outpatient therapy with an in-network provider typically doesn't require pre-approval. Your provider can help navigate authorization when needed.
Virtual therapy has expanded access to mental health care dramatically. Many therapists now offer video sessions, making it easier to fit treatment into your schedule and eliminating geographic barriers. Telehealth therapy is covered the same as in-person visits.
With our plans, therapy copays typically range from $20-$50 per session for in-network providers. Psychiatric visits may have similar or slightly higher copays. After meeting your deductible, coinsurance rates apply. Using in-network providers always results in the lowest out-of-pocket costs.
Most plans allow you to see mental health providers directly without a referral from your primary care physician. You can search for in-network therapists and schedule appointments independently. However, HMO plans may require referrals, so check your specific plan details.
Under mental health parity laws, if your plan doesn't limit doctor visits, it cannot limit mental health visits either. Some plans may require periodic treatment reviews for ongoing therapy to ensure continued medical necessity. Your therapist handles this documentation.
Yes, mental health records are protected by HIPAA and state confidentiality laws. Your employer cannot access your mental health claims information. Insurance claims show you received mental health services but don't include detailed therapy notes or session content.
If you're experiencing a mental health emergency, go to your nearest emergency room or call 911. You can also call the 988 Suicide and Crisis Lifeline (call or text 988) for immediate support. Emergency mental health services are covered under your plan.
There's no shame in seeking help for mental health concerns. With the right insurance coverage, therapy and psychiatric care are accessible and affordable. Take the first step toward better mental health today by speaking with a licensed agent about plans that prioritize behavioral health coverage.