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Your mental health has a direct effect on your physical well-being, and mental illnesses are just as serious as those that afflict the body. Lincoln Psychiatric Group has been helping Lancaster County residents live happier, healthier lives since 1939. Here, their staff answers four common questions about insurance coverage for visits to a psychologist

4 FAQs on Insurance Coverage for Mental Health 

Will Insurance Cover Visits to a Psychologist? 

Most insurance companies offer some form of mental health coverage, including treatment for behavioral health and substance use disorders. However, since not all insurance companies are required to do so, not all do. Coverage usually extends to “medically necessary” treatments, including treatment for mental illnesses like depression, bipolar disorder, and other psychological ailments. Most insurance plans don’t include marriage or family counseling. 

Is There a Limit for Psychology Visits?

psychologistSome insurance providers will only cover a certain amount of psychology visits per year. Sometimes, companies set a limit by claiming you received the “maximum benefit” from your treatment. In other words, while you still have mental health problems, the insurance company no longer thinks it’s medically necessary for you to continue treatment. The restriction usually applies to counseling, not prescription medications like antidepressants, anti-anxiety medications, or antipsychotics. 

How Does Mental Health Coverage Compare to Physical Health Coverage? 

Per the 2008 mental health parity law, if an insurance company offers mental health coverage, the coverage must be comparable to their physical health policy. For example, an insurance company can’t charge a $50 copay to see a psychologist for depression and a $20 copay to see a doctor for a knee injury. 

Does the Law Apply to all Plans? 

However, this law doesn’t apply to all insurance plans. It applies to employer-sponsored health coverage, coverage purchased through the Affordable Care Act, Children’s Health Insurance Program, and most Medicaid programs. Some other government plans and programs, including Medicare, are exempt from the law, as are some state government employee plans. 

The psychologists at Lincoln Psychiatric Group provide comprehensive, compassionate care for a broad range of mental health concerns, from anxiety and depression to schizophrenia. To schedule a consultation today, call (402) 476-7557. You can also visit their website for more information on the practice.

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