Does Health Insurance Cover Mental Health And Substance Use?

​The topic of mental health has been getting a lot of attention lately. From the business to the personal level, managing stress and addiction are things we all have to deal with.

What is Health Insurance?
Health Insurance is a type of insurance that may cover your medical and health care expenses. This insurance may protect you from many health and financial risks.

Health Insurance Coverage for Mental Health and Substance Use
Mental health and substance use issues are unique because they're so individualized. A mental health disorder might include depression, anxiety, or bipolar disorder for some people. For others, their mental health problems might be more related to substance abuse. In both cases, ongoing treatment can sometimes make the difference between living and living with mental illness.

Your health insurance may include the following treatments:
Mental Health Treatments
If you have been diagnosed with a mental disorder by a licensed professional, your therapy sessions may be considered medically necessary. Your health insurance may cover your therapy sessions with professionals such as: 

• Psychologists
• Psychiatrists 
• Social Workers
• Mental Health Counselors

Inpatient Services
Your health insurance may cover your visit if a physician has approved you to stay at a rehabilitation facility. Inpatient rehabilitation for mental illness and substance, including but not limited to psychiatric hospitalizations and treatment programs, may be incorporated into your health plan.

Treatments for Substance Use
Substance use disorders are an undeniable public health issue of our creation. It is a chronic condition that can be treated in several ways. 

Your health insurance may cover the following treatments:

• Detoxification
• Maintenance Medications
• Counseling
• Recovery Services

Other Therapies
These are treatments that are beyond the traditional or typical kind of therapies that may be recommended by your psychiatrists and psychologists, which includes:

• Art Therapy
• Music Therapy
• Drama Therapy

Conclusion
Always remember that your mental health is as important as your physical health. It's important to determine what services your health insurance may cover if you seek treatments regarding substance use and mental health. 

At Hayek Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (805) 496-8835. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Contact us today to go over your specific needs and we are happy to help you find a policy that works for you and your budget!