Health Insurance and Mental Health: Coverage for a Growing Concern


Mental health issues are becoming an increasingly common concern in our society. Fortunately, health insurance plans are required to cover mental health services just as they cover physical health services. In this blog post, we’ll explore how health insurance covers mental health issues and what you can do to ensure you get the care you need.

Mental Health Coverage Under the Affordable Care Act

The Affordable Care Act (ACA) requires all health insurance plans to cover mental health and substance use disorder services as essential health benefits.

Types of Mental Health Services Covered

Mental health services covered by health insurance plans include therapy, counseling, medication management, and inpatient and outpatient treatment.

Out-of-Pocket Costs

Like with physical health services, health insurance plans may require you to pay a portion of the cost of mental health services through deductibles, copayments, or coinsurance.

How to Get the Care You Need

Check Your Coverage

Check with your health insurance provider to find out what mental health services are covered under your plan.

Find In-Network Providers

Choose a mental health provider within your health insurance network to avoid out-of-network costs.

Get Referrals

Some health insurance plans require a referral from a primary care physician before seeing a mental health provider. Check with your health insurance provider to see if this applies to your plan.


Health insurance coverage for mental health services is becoming increasingly important as mental health concerns continue to grow in our society. With the coverage requirements under the Affordable Care Act, mental health services are now more accessible than ever before. By understanding your coverage and finding the right mental health provider, you can get the care you need.

Request a Quote Today

Ready to learn more about health insurance coverage for mental health services in Oregon, Washington, and the Pacific Northwest? Request a quote today by calling our office at 541-447-6372 or reaching out to us on social media. We’re here to help you find the right coverage for your healthcare needs.