Using Health Insurance For Mental Health Care

Nevada Insurance Enrollment Explains The Pros and Cons of Using Health Insurance for Mental Health Care
Using Health Insurance For Mental Health Care
Using Health Insurance For Mental Health Care
LAS VEGAS - Oct. 29, 2020 - PRLog -- Mental health care services are an important part of holistic health. According to the Anxiety and Depression Association of America, nearly one in five Americans live with an anxiety disorder and 16 million adults in the United States live with depression. These conditions are associated with more doctor's office and hospital visits, increased risk of heart attack and a weakened immune system.

The good news is that if you have an ACA-compliant health insurance plan, then your health insurance covers mental health care. This removes a significant roadblock to treatment, which can be pricey. The bad news is that using your health insurance to cover mental health services may be more difficult than you would expect. A health insurance agent can help you review your needs and find a health insurance plan that is right for you.

The Benefits of Using Your Health Insurance for Mental Health Services

Reduced Medication Costs

Many people living with mental health disorders benefit from prescription drug therapy. Even if you pay for your therapy sessions out of pocket, (of course if you aren't paying a copay for the visits, you should still only have to pay a "network" rate instead of the full rate), your health insurance policy still covers prescription medications.

Pre-existing Conditions Do Not Affect Coverage
Even if you were diagnosed with a condition like bipolar disorder or generalized anxiety disorder decades ago, your health insurance provider cannot deny you coverage for treatment. Under ACA, pre-existing conditions must be covered. Our recommendation is to make sure you are seeing contracted providers if at all possible, and if you have an HMO, you won't really have a choice.  Doing so will keep your out of pocket costs down.

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554

Nevada Insurance Enrollment
Shelly Rogers
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Location:Las Vegas - Nevada - United States
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