Mental health insurance coverage can be overwhelming for many people. This is particularly true for people over the age of 30, many of whom experienced insurance coverage rejection during their lifetime. However, today’s insurance puts more emphasis on mental wellness and provides greater benefits all around, thanks to some recent changes in the law.
Mental Health Insurance Coverage Changes Work in Your Favor
In the 1990s, early 2000s and decades before, your mental health insurance coverage was light, if such coverage existed at all. For physical wellness or health problems, you usually gained 80 percent coverage under your insurance policy. However, for mental health, you were lucky to have 50 percent of your costs covered for visits to a psychologist.
As of 2010, insurance laws changed for the better. Now, your private insurance must provide mental health insurance coverage like it does for physical health. Your mental health benefits must equal your physical health coverage benefits. This means your hospital visits, frequency of your care, out of pocket minimums, co-insurance, deductibles, and copayments for mental health match the benefits of physical health.
Of course, as with any law, this law has exceptions. Specifically, employing companies with more than 50 employees must provide health insurance options in balance for both mental and physical health. Companies with 50 or fewer employees are not required to provide this level of mental health insurance coverage.
Where You Find Mental Health Insurance Coverage Options
If you don’t have mental health insurance coverage, you can visit new insurance marketplaces on the web. These websites help people get the health insurance coverage they need.
On the marketplaces, all plans provide mental health and substance abuse care benefits along with physical health insurance coverage. Under the recent law changes, these plans also accept you even if you have pre-existing mental or physical health problems. Therefore, you no longer have to fear rejection for coverage because you had mental health conditions in your past, or presently experience such problems.
While the laws are subject to change and politicians currently debate these requirements, for now you have the great opportunity to gain insurance coverage and use that policy for the mental health care you need. Moreover, starting a new insurance policy often costs thousands of dollars less per month than going into mental health care without any coverage.
Where Your Insurance Benefits Work for Quality Mental Health Care
When you seek a Huntington Beach individual therapy program or other mental health care, your insurance likely works for this care at Huntington Beach Psychiatry. Huntington Beach Psychiatry in Orange County, California, provides a wide range of programs and mental health services, including:
- Anxiety therapy
- Stress management
- Psychiatric evaluation and consultation
- Family therapy and group therapy
- Substance use disorder rehab
- Medication therapy management
- Flexible appointments and short wait times
Starting any kind of mental health care is nerve-wracking. In fact, you fear high bills and other costs of going to visit a psychiatrist. However, with recent law changes, you do not need to fear these costs. Your existing or new mental health insurance coverage likely provides some benefits to cover your mental health services and appointments.
Before your first visit with Huntington Beach Psychiatry, you can verify your health insurance benefits. Doing so gives you better understanding of your out-of-pocket costs for getting the help you need. This also provides you with peace of mind.
Call Huntington Beach Psychiatry now at 866-334-6286 for more information about available programs, services, and psychiatric disorders therapy in Orange County. Also, ask about your mental health insurance coverage and schedule an appointment for your first visit today.