Mental Health Insurance

The Reader’s Question

What are the anatomies of the mental health insurance?

Maggie Ferrer

Thank you for this question.

Mental health disorders occur from childhood to old age, to both men and women, and to people of all socio-economic groups. During any year, 1 in 10 Americans overall experience some disability from a mental health disorder. The pervasiveness of mental health disorders is further underlined by a three-year study of a large corporation reported by the American Psychological Association, which showed that 60% of employee absences were due to psychological problems. These findings were found to be consistent all over the United States after more than thirty years of research. Today, majority of these disorders are controllable, can be cured and can be prevented like physical illnesses.

At present, mental health insurance comes in different shapes and sizes wherein the following data should be able to show you what to look and check for in a regular health plan.

The mental health plan covers the patients for twenty to thirty sessions a year and will pay 20% to around 50% of the total bill. A typical session may cost between $75 to $175 depending on the location of your residence and the credentials of your therapist. Actually the coverage of your actual plan will entirely depend on your provider.

Majority of the insurance companies takes care of the problems from depression and anxiety to the social phobias and difficulties in relationship. But they will not cover services for aromatherapy and weight loss. Even the screenings for the learning disabilities and IQ tests are still not covered.

Most medications are covered by the insurance plans which require a copayment for as low as $5 for a prescription of generic medicines and $10 or more for a drug with a brand name.

The coverage of your mental health insurance plan really depends on your insurance plan. If you have a prepaid health plan, you may choose from a limited group of health care professionals wherein these professionals are in-network providers. Remember that your out-of-pocket payments will definitely be much higher as there are fees that are only partly covered for providers who are out of the network.

Related External Links

• Generated by LinkCurl

Like this post? Subscribe to my RSS feed and get loads more!