There are a variety of health coverage options available on the market today that pitch themselves as insurance policies for mental health. Because each policy has something unique to offer its consumers, those customers can enjoy the feeling of being pampered by the availability of choices. It is essential that you have a solid understanding of various aspects of mental health insurance plans before you choose a particular policy to cover your mental health needs.
How many visits are covered in a mental health insurance plan?
The kind of plan you go with will have a significant impact on how many visits are covered under the policy. Coverage is provided for somewhere between 20 and 30 sessions per year on average. The price of one treatment session is approximately $150 on average, and clients or patients are responsible for paying up to fifty percent of the total cost of treatment. For elderly individuals over the age of 65, the health insurance program known as Medicare enables them to have an unlimited number of doctor’s appointments.
What is the coverage of my plan?
The coverage of your plan is again highly dependent on the plan you choose. Most mental health insurance plans cover a wide range of areas, from anxiety to relationship difficulties. Some ailments not covered are weight loss or the need for an aromatherapy massage. Patients suffering from a lack of IQ cannot expect to be covered under mental health insurance plans.
Does my mental health insurance policy include coverage for prescription drugs and other medications? It should come as no surprise that the patient is expected to adhere to the medication plan that their physician has prescribed for them. When purchasing a generic drug, the patient may be required to pay a copayment of $5; however, when purchasing branded drugs, the copayment amount can increase to $10. The remainder of the expense associated with the prescription drug would be paid for by the insurance company.
More details about an Employee Assistance Program?
Employee Assistance Programs (EAP) are set up by companies that help employees sort out their personal issues, emotional problems, and other psychological problems. You need not hesitate to go for these programs as the details of these visits are often kept confidential. More importantly, these services are offered free of charge to the employees, which would encourage employees to opt to go for these programs.
It is of the utmost importance that you do a great deal of study on the different options for mental health insurance that are open to you. You would be required to make a decision after carefully weighing the advantages provided by the various types of mental health insurance policies.
In the end, you will be responsible for paying the premiums on your insurance policy, so it is in your best interest to be aware of the many coverage options that are available through your insurer. The costs of going to see your primary care physician for issues related to your mental health might occasionally become too expensive; fortunately, mental health insurance is there to save the day.