Does Your Health Insurance Provider Cover These Treatments?

Mental health problems are just as serious as any other medical disorder, and they should not be ignored. If you think you're depressed, or you show signs of schizophrenia or anxiety, you should call a mental health professional right away. The sad truth is that a lot of insurance companies treat mental health issues differently from other medical problems. A lack of insurance coverage should not be the only reason for delayed treatment.

Mental Coverage Just Like Medical

In rare cases, insurance companies will pay for depression treatment just like a normal office visit, with copays and similar rules. With these plans, you need to keep in mind that if you're ever admitted due to a mental health issue, you may have to call your insurance company for precertification.

Separate Mental Health Coverage

Some companies separate their mental and medical insurance divisions- sometimes, people need to carry around two different insurance cards. If you have this type of plan, be sure you give the correct card when you seek depression treatment.

Limited-Scope Mental Coverage

In most cases, mental and medical coverage are provided under the same plan. However, this kind of coverage is different than the others. You will probably have a higher copayment or even a yearly maximum. Be sure you know your plan's limits so there are no surprises when the bill comes in the mail.

Drug/Alcohol Rehab Center Coverage

Most insurance companies do not cover treatment in rehab centers for depression that results from drug or alcohol addiction. Even if you need to go to one of these centers, you still may have to pay the full cost of treatment. Before you seek treatment, ask your insurer if they cover the center you'll be attending.

Even though insurers and employers don't see it, mental health problems are just as important as other medical issues. Some employers are reluctant to include coverage for depression treatments because past employees manipulated the system. This makes it harder on those that truly need treatment; if you need help for your depression, be sure you're prepared to pay for the treatment or the coverage.