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Does Your Insurance Cover Mental Health Services? Here's What You Need to Know


Does Your Insurance Cover Mental Health Services?

May is National Mental Health Month, which serves as a reminder of the importance of mental health care. If you or a loved one is struggling with mental health concerns, it's essential to know if your health insurance covers mental health services. Let's explore the types of mental health care that insurance may cover and how to find out if your insurance plan includes mental health benefits.

Mental health care is essential for everyone, especially those who experience ongoing mental health concerns, including anxiety, depression, bipolar disorder, and other conditions. Treatment may include therapy, counseling, medication, and other forms of care. However, the cost of mental health care can be a barrier for many people, which is why health insurance coverage is so important.


If you have health insurance, your plan may include coverage for mental health services. The Mental Health Parity and Addiction Equity Act of 2008 requires most insurance plans to offer mental health benefits that are equal to the coverage for physical health conditions. This means that if your insurance plan covers doctor visits, hospital stays, and prescription drugs for physical health conditions, it must also provide similar coverage for mental health conditions.


However, not all insurance plans are created equal, and coverage for mental health services can vary widely. Here are some types of mental health care that insurance may cover:

  • Outpatient therapy: Many insurance plans cover outpatient therapy, which involves meeting with a mental health professional on a regular basis to talk about your concerns and develop coping strategies.

  • Inpatient care: Some insurance plans cover inpatient care, which involves staying in a hospital or other facility for mental health treatment.

  • Medication: Insurance plans may cover medications that are used to treat mental health conditions, such as antidepressants, antipsychotics, and mood stabilizers.

  • Teletherapy: In response to the COVID-19 pandemic, many insurance plans began covering teletherapy, which involves meeting with a mental health professional over video chat or phone.

It's important to note that not all insurance plans cover all types of mental health care. To find out if your insurance plan covers mental health services, start by reviewing your plan documents. Look for a section on mental health or behavioral health benefits and read through the details. You can also contact your insurance provider directly and ask about mental health coverage.


At Boone Ritter Insurance, we understand the importance of mental health care, and we're here to help you find a health insurance plan that meets your needs. Our experienced agents can answer your questions about mental health coverage and help you compare insurance plans to find the one that's right for you. Contact us today to learn more.


In short, mental health care is essential, and it's crucial to know if your insurance plan covers these services. While the Mental Health Parity and Addiction Equity Act of 2008 requires most insurance plans to offer mental health benefits, coverage can vary. Review your plan documents and contact your insurance provider to find out if your plan covers mental health services. And if you're looking for a new insurance plan that includes mental health benefits, the team at Boone Ritter Insurance is here to help.

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