Understanding Behavioral Health Insurance Benefits In the Age of Obamacare
Did you know that most health insurance plans are now required by law to cover mental health and substance abuse treatment? As of 2014, as part of the Affordable Care Act, more Americans than ever before have access to mental healthcare benefits. This includes preventive services like depression screening and pediatric behavioral assessments, as well as various therapies like Cognitive Behavioral Therapy, Group Counseling, and Family Therapy. Also included are inpatient and outpatient substance abuse treatment, and rehabilitative services to support people with behavioral health challenges.
This means that even if you’ve checked your coverage levels and been disappointed previously, the new federal law may have changed your benefits in the past year. Understanding your current benefits is a good idea whether you’re currently seeking mental health services or not. By calling your insurance provider, or browsing their online information specific to your plan, you can learn what types of services are covered and at what amounts. You may be pleasantly surprised to learn what your coverage offers, which may enable you or a family member to get the services needed to get through any number of mental health and substance abuse issues.
It’s a good idea to learn some basic terms related to health insurance benefits. A list of terms and their definitions is included in a whitepaper on the subject in the Information Center on Carrier Clinic’s website. Click here to read the whitepaper for more information.