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What You Need to Know About Mental Health Coverage

When Obamacare passed in 2010 it included new regulations for almost every aspect of healthcare from primary care doctors to a tanning bed tax. With these regulations came changes to mental healthcare plans all across the industry that many people still aren’t aware of 7 years later. Before Obamacare, Insurance companies were able to place a cap on how many visits someone was allowed to have with their psychologist or therapist. There was also a cap on out of network allowances including many inpatient facilities and ABA Therapy facilities, greatly limiting the amount of help people could get.

The Affordable Care Act (Obamacare) expanded mental health coverage in many ways including:

1. 60 million privately insurance people and 105 million Americans had lifetime limits removed from their insurance.

2. The ACA also removed all caps- they are required to cover 100% of medically necessary therapy, including but not limited to ABA Therapy, Psychotherapy, and even Physical Therapy.

3. No longer are insurances allowed to deny therapies due to pre-existing conditions.

4. Most health plans are now required to cover preventative services like depression screening for adults and behavioral assessments for children for free.

These changes have made a drastic difference in how many people are reaching out for help. If you’re suffering from mental health issues such as:

  • Anxiety
  • Depression
  • Impulse Control Disorder
  • Substance Abuse

Or, if you have a child who you think is struggling with behavioral issues, know you’re not alone and that if you have health insurance seeing a mental health professional is covered and recommended.

In the United States today, 1 in 3 people are suffering from a mental health disorder, and 1 in 50 children are diagnosed on the Autism spectrum. A diagnosis today is nothing to be ashamed of or hidden.

If you don’t have health insurance, you are not sure what your plan covers, or you have had trouble with your insurance company not paying for services, call Cosmo Insurance.

We are here with creative solutions and unparalleled service to assist you today.


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