Would family therapy be covered under mental health insurance?

Haylie Lesch asked a question: Would family therapy be covered under mental health insurance?
Asked By: Haylie Lesch
Date created: Sun, Aug 29, 2021 3:35 AM

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Those who are looking for an answer to the question «Would family therapy be covered under mental health insurance?» often ask the following questions:

❓ Are mental health issues covered under insurance?

California's Mental Health Parity Act, as amended in 2020, requires all state-regulated commercial health plans and insurers to provide full coverage for the treatment of all mental health conditions and substance use disorders… Not limit benefits or coverage to short-term or acute treatment.

❓ Are mental health expenses covered under hsa insurance?

This means an HSA is essentially a rainy-day fund to pay for physical and mental health expenses—and the money remains yours even if your plan is terminated or you leave the job. An FSA, on the...

❓ Is mental health therapy covered by health insurance providers?

This will depend on your health insurance plan and what kind of mental health therapy you are interested in. The simplest way to find out is to either read your policy or, even simpler, call your provider. Most health insurance plans will cover a certain percentage of mental health care. Check your policy for specifics, but most policies will have a single year and lifetime payout maximum for mental health coverage.

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Most health insurance provides coverage for mental health issues. However, there are often "sub-limits" for that benefit. That is, that the insurer may pay only a fixed dollar amount for mental health services, or for a stated number of visits per insured per year. That sub-limit is usually less than the aggregate annual benefit that the insurer agreed to pay for medical issues. The insurance policy will probably also dictate the type of provider who can be used in order for the insured to obtain the benefit (for example, an M.D. who is a psychiatrist vs. a PhD who has a mental health practice). The terms of the policy will also probably address whether family therapy is a covered service. Odds are, the practitioner would start therapy with one member of the family and bring others in as therapy progresses and problems are identified through the theraputic process.

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