Using Health Insurance For Mental Health Care

Nevada Insurance Enrollment Explains The Pros and Cons of Using Health Insurance for Mental Health Care

LAS VEGAS - nvtip -- Mental health care services are an important part of holistic health. According to the Anxiety and Depression Association of America, nearly one in five Americans live with an anxiety disorder and 16 million adults in the United States live with depression. These conditions are associated with more doctor's office and hospital visits, increased risk of heart attack and a weakened immune system.

The good news is that if you have an ACA-compliant health insurance plan, then your health insurance covers mental health care. This removes a significant roadblock to treatment, which can be pricey. The bad news is that using your health insurance to cover mental health services may be more difficult than you would expect.

The Benefits of Using Your Health Insurance for Mental Health Services

-Reduced Medication Costs

Many people living with mental health disorders benefits from prescription drug therapy. Even if you pay for your therapy sessions out of pocket, your health insurance policy still covers prescription medications. If you aren't asked to pay only a copay for the visit, you should only still have to pay a discounted "network" rate, instead of the full normal rate.

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-Pre-existing Conditions Do Not Affect Coverage

Even if you were diagnosed with a condition like bipolar disorder or generalized anxiety disorder decades ago, your health insurance provider cannot deny you coverage for treatment. Under ACA, pre-existing conditions must be covered. Our recommendation is to make sure you are seeing contracted providers if possible. If you have an HMO, you won't really have a choice, you will be required to use their providers, or pay out of your own pocket to see who you want to see. But by doing so, your out-of-pocket costs will be much lower.

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554

Nevada Insurance Enrollment
Shelly Rogers

Source: Nevada Insurance Enrollment

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