Where to Get Affordable Mental Health Insurance

Mental health insurance is a fairly new type ofSelecting a Mental Health Insurance Policy
insurance. As recently as ten years ago, most insurersWhether you're looking for an insurance policy that just
offered little if any coverage for mental healthcovers mental health or a policy that includes both
problems. Now, many states require that insurancephysical and mental health coverage, your best option
companies include some form of mental healthfor finding an affordable policy is to shop around. Go to
insurance coverage as part of their health insurancean insurance comparison website and get quotes from
policies. Here's how to get affordable mental healthmultiple A-rated companies that you can compare. As
insurance.you compare the policies, look for whether the policy:
What Does Mental Health Insurance Cover?* Requires a referral from your primary care physician
Mental health insurance coverages vary widely amongor employee assistance program.
insurance companies. Most insurance companies* Includes a preferred list of providers and hospitals
cover problems such asyou must choose from and what the financial
* Anxietyconsequences are if you choose someone else.
* Depression* Includes a separate annual deductible for mental
* Relationship difficultieshealth services.
* Social phobias* Pays for office visits, medication, respite care,
They typically do not cover alternative therapies suchoutpatient hospital care, and inpatient hospital care and
as aromatherapy, nor do they cover therapy relatedwhat the co-payments are for these services.
to gender change.* Limits your number of visits.
Insurance companies typically allow around 20 to 30* Excludes certain diagnoses or pre-existing conditions.
sessions with a mental health professional per year,* Includes an annual or lifetime cap for mental health
paying anywhere from 50-80 percent of the bill.coverage.