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Are mental health services covered by insurance?

Check with your insurance plan to find out what specific services are covered, but in general, mental health services are covered by health insurance. The following are important changes to mental health coverage as a result of the new health care law:

  • Restrictions on coverage cannot be any stricter for mental health coverage than they are for physical health coverage.
  • Insurance companies can’t require you to pay more out-of-pocket (have greater co-pays, co-insurance, or deductibles) for mental health services than they do for other medical services.
  • Plans can still impose non-monetary restrictions, such as caps on the number of mental health visits.