Mental health conditions are common. Many people live with symptoms of a mental health condition that impact their daily functioning. A mental health condition can affect a person’s physical health, emotional well-being, relationships, and more.
Comprehensive treatment programs can help people manage the symptoms of mental and behavioral health conditions. However, most people with behavioral health conditions don’t get the care they need to manage their symptoms.
Worrying about paying for treatment can keep people from getting the help they need. However, health insurance plans are likely to cover mental health treatment.
This article will explore insurance coverage for mental health treatment. You will learn:
- What types of treatment insurance plans cover
- How to determine your health insurance coverage for mental health care
- How to find a treatment center that works with your insurance company
- Signs you need behavioral health treatment
- Where to find mental health treatment and support
If you or someone you love requires behavioral health treatment, you are not alone. Find mental health and substance abuse treatment at Agape Behavioral Health. Reach out to our intake specialists to learn about our programs or set up your first appointment.
Does Insurance Cover Behavioral Health Treatment?
The Affordable Care Act (ACA) is a federal law determining mental health and substance use disorder treatments are essential health benefits. This law requires health insurance companies to provide coverage for mental health and SUD treatment.
The Mental Health Parity and Addiction Equity Act (MHPAEA) requires that insurance for behavioral health care be no more restrictive than coverage for other conditions.
These laws and other regulations require insurance companies to cover some or all of the cost of mental health and substance abuse treatment. However, insurance plans can vary significantly in the level of coverage and included services.
Before seeking treatment, you must verify the details of your specific insurance plan. This will ensure you understand what services, programs, and providers your plan covers. It can also reduce the risk of unexpected out-of-pocket expenses.
Which Levels of Care Will Insurance Cover?
Private and public insurance plans typically cover some or all costs associated with behavioral health treatment. There are many levels of care and types of treatment to meet people’s different needs.
Some behavioral healthcare services insurance may cover include:
- Assessments and screenings
- Medical detox programs
- Inpatient or residential treatment programs
- Partial hospitalization programs (PHP)
- Intensive outpatient programs (IOP)
- Outpatient mental health care (psychotherapy and counseling, prescription drugs, support groups, educational programs, routine visits, etc)
If you are one of the many in the United States without adequate healthcare coverage, you may be eligible to enroll in a state or federal insurance program. Contact the Agape Behavioral Health intake specialists to learn more about insurance coverage for behavioral health.
If you have health insurance, you must verify the details of your specific plan before beginning treatment.
Agape Behavioral Accepts Private Insurance Plans 
Verifying Insurance Coverage for Behavioral Health Treatment
Understanding the details of your insurance plan is critical. Before beginning treatment, you must verify your insurance and understand the services and programs it covers.
There are several ways to verify behavioral healthcare coverage. You may:
- Call the number on the back of your insurance card and speak to a representative about your coverage
- Research the details of your plan on the insurance company’s website
- Contact the insurance and intake specialists at Agape Behavioral Health to learn about your insurance coverage or to find in-network treatment programs
While most insurance plans provide some coverage for mental health and addiction treatment, you must research the details of your plan before starting treatment. This will allow you to find the best treatment options for your unique needs.
Once you understand your insurance coverage, you may search for a center that offers the care you need. To find a facility that accepts your insurance, you may:
- Contact an insurance representative to find in-network programs and providers
- Research in-network treatment centers on your insurance company’s website
- Ask your medical or mental health providers for referrals
- Contact the Agape Behavioral Health specialists for assistance
The Agape Behavioral Health team is happy to help you verify your insurance and find the programs to meet your needs. Contact us today to get started on your recovery journey.
Do I Need Behavioral Health Care?
If you have new or worsening symptoms of a mental health condition, seek treatment right away. Some signs you need behavioral health support include:
- Increased symptoms of depression or anxiety
- Psychotic symptoms, such as delusions or hallucinations
- Increased isolation
- Not being able to keep up at work, home, or school
- Feeling hopeless, exhausted, or overwhelmed
- Thinking about self-harm or suicide
- Having significant changes in your sleep, energy levels, appetite, or other behaviors
Behavioral health treatment can help you understand mental health conditions and manage your symptoms. Contact the Agape Behavioral Health team to learn how to recognize the signs you need help or to explore your treatment options.
Find Treatment Now
If you or someone you love needs treatment or support to manage a mental health condition, you are not alone. Find the care, support, and treatment you need at Agape Behavioral Health. Contact our treatment specialists to learn more about our programs or to schedule an intake appointment.
References:
- National Institute of Health (NIH): Affordable Care Act
- NIH: Mental Health Parity and Addiction Equity Act and the Use of Outpatient Behavioral Health Services in the United States, 2005–2016
