Many group major medical policies do provide employees with comprehensive coverage. This may include mental health coverage. Other employers may provide these services under another benefit program. If you get your medical benefits at work, you need to consult your policy or ask the human resources department. Some companies will post free, confidential phone numbers for employees who would like to seek help.
If it is not an emergency, it is safer to get an treatment pre-approved. This way you will know how much the group health plan will pay and how much you have to pay out of pocket.
Individual Health Insurance
People with individual or family policies my not have comprehensive mental health benefits. Even though private insurers cannot cancel a policy because a covered person develops a condition, many will refuse an initial application because of mental illness. The new health reform bill should make it so people cannot be refused a policy for pre-existing conditions in the future, but this part has not been implemented yet.
How To Get Low Cost Mental Health Treatment Without Insurance And A Lot Of Money
Mental health services can be very expensive, especially if you need to pay for private treatment. Many people who need help need to return for repeated therapy, treatment, or prescriptions too. But there are many