Individual Mental Health Insurance: What Are My Options?

Around 40 million American adults suffer from some kind of anxiety disorder. While there are effective therapies and medications that make it possible for anxiety sufferers to lead normal, productive lives, these treatments come at a cost. An hour of therapy with a professional mental health counselor can cost anywhere from $90 to more than $200, and an assessment and treatment by a psychiatrist is often upwards of $200--not including the cost of any medications that are prescribed. With prices like these, having mental health insurance coverage is almost a necessity.

For people without access to a group insurance policy, such as you might find through an employer, it can be difficult to find an affordable individual policy with good mental health benefits. Policies are not required to cover mental health care, so it is important to look at the detailed list of benefits before you choose a policy. Things to look for are a lack of mental health coverage, high co-pays or deductibles, and a limit to benefits received. (While federal mental health parity legislation requires that group health plans are not more restrictive with mental health coverage than with medical and surgical benefits, this does not apply to individual mental health coverage.)

While the United States is working to do away with exclusions based on pre-existing conditions, that will not happen for several more years, so it is still possible to be denied coverage based on prior medical history. It is also common for insurance companies to charge a higher premium for people with a lengthy treatment history.

In short, it is possible to find an individual mental health insurance policy that meets your needs, but you should not assume that the first policy you find will cover everything. Read the policies carefully to make sure they include mental health benefits, compare premiums and benefits across multiple policies, and be prepared to pay more or have exclusions apply if you have a history of mental health issues.

Photo: Pexels

Anxiety Support Groups

Latest Post by lydia Wed, 09/18/2019 - 9:43am
Comments: 0
Latest Post by JustJules Wed, 09/18/2019 - 9:16am
Comments: 0
Latest Post by JustJules Wed, 09/18/2019 - 9:18am
Comments: 1
Latest Post by JustJules Wed, 09/18/2019 - 9:19am
Comments: 1

More Articles

Anxiety is a normal reaction to certain situations, and in some instances can be very beneficial. The proper amount of anxiety experienced at the...

In many cases, a mental disorder can be just as disabling as a physical one. That seems to be the case with Los Angeles Dodger Hong-Chih Kuo, who...

Although best known for treating major depressive disorder, Cymbalta (generic name: duloxetine) is also a proven and effective treatment for...

Beta-blockers are a class of drugs most commonly used to treat heart conditions, although they are useful in the treatment of a variety of other...

Post-traumatic stress disorder and depression are two different psychological problems, but they occur together among a large number of people. A...

More Articles

When we give to others, more so than receive, we are happier and more fulfilled, which can help treat anxiety and depression. A recent study,...

The monoamine oxidase inhibitor (MAOI) tranylcypromine (brand name: Parnate) is an antidepressant sometimes used for the treatment of anxiety...

Children with social phobias are more likely to be judged as less attractive by their peers than those without anxiety disorders, according to a...

When we purchase health insurance as a safety net for if we become ill or injured, we're usually thinking of physical ailments. But mental illness...

Prior research into obsessive-compulsive disorder (OCD) has found it very difficult to conclusively prove the link between hypersensitivity and...

Sometimes emotional distress, such as anxiety, can lead to difficulty swallowing or the fear of choking. Most people might take swallowing for...

Perceived threats trigger the 'fight or flight' response—that sequential process that prepares you either to put up a fight to defend your life—...

If you suffer from an anxiety disorder, you may occasionally experience an anxiety attack.

An anxiety attack is described as a sudden...

The fourth version of the diagnostic manual for mental disorders, or DSM-IV, has now been replaced by a fifth revision, called the DSM-5.

...

We all know some people are better listeners than others. Excellent listeners give their full attention to whoever is talking. Those who are not...

Although it seems improbable, Robert S. Wilson, Ph.D., of Rush University Medical Center in Chicago, and his colleagues say that they found a...

No one is immune to anxiety and panic attacks, including celebrities. Actress Amanda Seyfried recently told British Glamour magazine that she is...

The precise causes of hoarding are unknown, but it appears that both genetics and environmental factors play a role. Because hoarding behaviors...

The antidepressant doxepin (originally marketed by Pfizer under the brand name Sinequan) is a tricyclic antidepressant approved to treat anxiety...

Over the course of my 14 plus years of having an Anxiety disorder, I have read so much information and learned so many techniques for controlling...