Oftentimes, financial and insurance concerns serve as significant barriers to getting the help we need. However, your insurance plan likely includes help with mental health, and an important first step is determining the type of coverage and care offered. Once you’ve verified your insurance, it’s time to get started on the path to better mental health. This means researching multiple doctors, therapists, counselors, groups, and more to decide what works best for your lifestyle and goals for your mental health journey. Below we’ll discuss more about understanding and verifying insurance for mental health care.
Did You Know: Insurance for Counseling Is Available!
Typically, we relate insurance to medical needs, like seeing the doctor for a physical, a minor injury, or when we’re sick. However, most insurances offer some form of coverage for mental health services, too. This can span from individual and group therapy to a one-on-one session with a psychiatrist. Insurance many also cover medications if prescribed, so using therapy and medication in conjunction with one another can be much more affordable than anticipated.
If you have employer-sponsored insurance, you can ask your HR representative how much is covered under your plan. They often vary from employer to employer, so it’s imperative to make sure you know what is covered. If you pay out-of-pocket for your insurance, the Affordable Health Care Act covers mental health services, so those who must provide their own insurance can take advantage of these services too.
What about Pre-Existing Conditions?
Unfortunately, it’s no secret that people with pre-existing conditions are often rejected from medical insurance coverage. However, mental health issues are not handled the exact same way. Because of legislation changes in the last 15 years or so, it’s mandatory that insurance companies cover mental health services, even if the carrier has a pre-existing mental health condition.
However, it’s important to remember that each plan covers different things, and you’ll want to ensure you’re on top of what your plan covers. Remember to also keep an eye out for legislation changes so that you’re not hit with bills unexpectedly.
How Much Will Therapy Cost?
Determining pricing will vary across mental health clinics and providers, and will also depend on your specific coverage. If cost is a deciding factor, you can typically find a therapist or counselor who offers low-cost sessions, along with group counseling or holistic options for a reasonable price.
Finding a facility that offers all branches of mental health services while accepting all major insurances is an excellent and unique option. This way, when you see someone at the facility, you can rest assured your insurance has been verified and you will be covered even if it’s your first session.
Does SOL Mental Health Take Insurance?
Yes! SOL Mental Health accepts most major insurances and offers low co-pays. We can assist you in the office or on-site to determine the best direction for you and your future. Whether you’re in the area, or just looking for helpful tips and different services, we can help.
