Are Mental Health Services Covered By Health Insurance?

Does Major Medical Health Insurance Cover Mental Health Services?

Many people are concerned about paying for mental health services. They know that they get these services from health professionals, or sometimes by medical doctors, and so they want to know if their health plan will help cover them. The answer to the question for any particular individual is, of course, it depends.

Group Major Medical From A Job

Many group major medical policies do provide employees with comprehensive coverage. This may include mental health coverage. Other employers may provide these services under another benefit program. If you get your medical benefits at work, you need to consult your policy or ask the human resources department. Some companies will post free, confidential phone numbers for employees who would like to seek help.

If it is not an emergency, it is safer to get an treatment pre-approved. This way you will know how much the group health plan will pay and how much you have to pay out of pocket.

Individual Health Insurance

People with individual or family policies my not have comprehensive mental health benefits. Even though private insurers cannot cancel a policy because a covered person develops a condition, many will refuse an initial application because of mental illness. The new health reform bill should make it so people cannot be refused a policy for pre-existing conditions in the future, but this part has not been implemented yet.

How To Get Low Cost Mental Health Treatment Without Insurance And A Lot Of Money

Mental health services can be very expensive, especially if you need to pay for private treatment. Many people who need help need to return for repeated therapy, treatment, or prescriptions too. But there are many resources to help people get free or reduced cost treatment. The problem is that a lot of people who need treatment may not know how to look for help! One other problem is that many people who need help may fear they lack the funds to pay for expensive therapists or doctors.

Online Mental Health Treatment Lookups

You can find a couple of very good free and low cost clinic finders online. These services can help you find all sorts of medical centers, and this includes mental health centers. Both the Partnership for Prescription Assistance ( and the US Department of Health and Human Services provide handy zip code searches.

You enter your zip code, and then a maximum distance you would like to travel. The online system will display any free or reduced fee clinics in your area. If you cannot find the right service very close to home, you may have to expand your search a bit.

Get Help On The Phone

If you do not have access to the internet, or if you are trying to get help for another person, there is also a toll free number that can provide help for people who need help. This is the national suicide and emotional distress hot line. This number is: 1-800-273-TALK

This phone number can put you in touch with 24/7, free, confidential phone help. They can also direct you to one of hundreds of crisis centers in the US.

Community Resources

On other place to look for help is at local community centers or charities. Some have social workers on staff or can direct you to other local resources where you can get help. Your local pastor should also have this information, and maybe he or she can draw upon resources from a congregation.

Do You Need To Find Help?

If you are seeking help for yourself, or for somebody you care about,

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Concept of Mental Health

It is easier to define mental illness than mental health. Even though we don’t always suffer any apparent diagnosable mental ailments it is evident that in regard to mental health a man differs from the other. Some of us are mentally healthier than the others.

Mental health is the combination of genetic, biological, psychological and environmental factors. It is the absence of mental disorder. It includes an individual’s ability to enjoy life and attain a balance between activities of life and effort to achieve the capacity to face stresses and adversities in a very calm and composed manner. It is also an expression of emotions that signifies a successful adaptation to a range of demands. A mentally healthy person can work productively and effectively for the community he lives in.

There is no universally accepted official definition of mental health. Cultural differences, subjective assessments, prevalent customs and conventions, condition of society, political, and social aspects in which he lives in are all the determining factors in deciding the matter of sanity of one’s mind setup.That a person is mentally healthy can be ascertained from certain characteristics.

First, the ability to enjoy life without worrying for the future or thinking about the past is the sure sign of healthiness of mind. The secret of life is to see the passing of present time. Sometimes people make themselves miserable by giving constant attention to what can’t be cured or about the unpredictable. This is uncongenial to health of mind.

Secondly, the ability to handle stress or trauma and bounce back from adversity indicates mental sanity This characteristic of resilience is shared by those who can handle the situations of stress effortlessly.

Thirdly, greater mental health is the result of balance in life. In our life we constantly need to balance number of things. As for example, we’ll be treated as ‘loners ‘if we can’t make balance between time spent socially and time spent alone.Similarly we need to balance between several thing like work and play. Sleep and wakefulness, rest and movement, time spent indoors and time spent outdoors.

Fourthly, emotional and cognitive flexibility is the sign of mental power. Some people hold very rigid opinions and no amount of discussion can change them. These people suffer from stress for their rigid expectations that they hold. Mentally healthy persons open the feelings and emotions instead of shutting them off in the dark chamber of mind.

Sixthly, we all have natural gifts or the inner capabilities. Some use their potentials and others seem to have destroyed them. Mentally sound persons are in the process actualizing their potentials.

Seventh, focusing on the worry topics and discussing them with others is the sign of mental health. Deconstruction of those worries which plague you constantly leads to good health of mind.

These are just a few of the concepts that are important to achieve mental health. In reality to attain complete healthiness of mind one should be free, flexible, open minded, positive, energetic and above all optimistic.

Mental ailments are not always apparent. They are neither detectable sometimes. Mental health is the sum total of different factors taken together. A mentally healthy persons contribute a lot to the society. There is no officially accepted definition of mental health yet it can be assumed. Different social aspects,customs cultures etc, all influen

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