Most modern health insurance plans include benefits for mental health services, thanks to federal laws requiring parity with physical health coverage. This means visits to therapists, psychiatrists, or counselors may be covered similarly to doctor’s appointments. Accessing mental health services can be lifesaving, and fortunately, today’s health insurance plans make it easier than ever to get the care you need to feel your best.
In-Network vs. Out-of-Network Providers
Your costs can vary depending on whether you choose an in-network or out-of-network provider. In-network professionals have agreed to discounted rates with your insurance company, resulting in lower copays and coinsurance. Out-of-network care may still be covered, but it often comes with higher out-of-pocket costs.
Types of Services Covered
Health insurance may cover a range of services, including individual therapy, group counseling, psychiatric evaluations, and medication management. Many plans also include telehealth sessions, making it easier to access care from the comfort of your home.
Understanding Costs and Limits
It’s important to review your policy for details on copays, deductibles, and session limits. While many plans offer comprehensive coverage, understanding your financial responsibility ahead of time can help you plan for consistent care without unexpected expenses.
Getting Started
To begin, contact your insurance company or check your online member portal for mental health providers in your network. This ensures you can connect with the right care while maximizing your benefits.
Reinas Insurance Agency Inc. is Proud to Serve Pasadena Residents
At Reinas Insurance Agency Inc., our team is here to provide Pasadena, CA customers with the health insurance coverage necessary to ensure you can access the care you need. Contact us today to speak with an agent and learn more.
