In the past mental health issues were seldom talked about, let alone covered in health insurance plans, but thanks you legislation passed over the years mental health is now treated on par with other forms of disease. Mental health insurance coverage has become more and more commonplace in society and virtually all insurance agencies are starting to offer their own plans.
Mental health issues can take many forms and can include anything from more common symptoms such as depression to social phobias that are a little less common. The expense for treatment of these issues can really add up and the result is an avoidance of treatment for fear of financial ruin. In these cases, mental health insurance can make a huge difference.
Many times mental health insurance plans are not terribly expensive, though they do depend on your personal situation and prior history of mental illness. Your employer may also include mental health coverage in your existing health insurance plan as an optional add on, or may be included in the package along with your standard physical health coverage. Before purchasing any additional insurance you may want to verify whether you already have the coverage as part of your plan.
Your doctor is an important resource for mental health insurance information and should not be ignored when considering various coverage options. You may have an idea of treatments that you need covered but your doctor can give you an outlook on potential future treatments and give you an idea of what treatments you may never need. By simply listening to your doctor’s advice you may be able to save yourself hundreds of dollars on unnecessary coverage.
The last bit of advice I can give is to do your homework before committing to a coverage. Make sure you cover all of your needs, and be aware of any hidden fees or unnecessary expenses in each plan, and be sure that your policy is exactly what you need. Don’t just sign up for a plan because it’s the cheapest, but look for what works best for your needs.