Are Mental Health Services Covered By Health Insurance?

Does Major Medical Health Insurance Cover Mental Health Services?

Many people are concerned about paying for mental health services. They know that they get these services from health professionals, or sometimes by medical doctors, and so they want to know if their health plan will help cover them. The answer to the question for any particular individual is, of course, it depends.

Group Major Medical From A Job

Many group major medical policies do provide employees with comprehensive coverage. This may include mental health coverage. Other employers may provide these services under another benefit program. If you get your medical benefits at work, you need to consult your policy or ask the human resources department. Some companies will post free, confidential phone numbers for employees who would like to seek help.

If it is not an emergency, it is safer to get an treatment pre-approved. This way you will know how much the group health plan will pay and how much you have to pay out of pocket.

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Effective Mental Health Treatment May Mean Using Alternative Methods

Effective mental health treatment doesn’t have to mean prescription drugs and hours of therapy. There are alternative methods for dealing with things like stress, depression, memory issues and even age related issues like Alzheimer’s and dementia. So why don’t we hear more about them? A lack of understand on the part of many doctors keeps the public from being educated and aggressive marketing by drug companies keeps prescriptions flowing.

This is not to say that there isn’t a time and place for mental health treatments like prescription drugs or therapy. Those can be helpful for certain things, but it may be that we are too quick to turn to them for mild to moderate forms of stress, depression, etc. Often there are alternative mental health treatments available.

While the category of alternative mental health treatments can be broad, the primary method that can be of benefit is natural supplements. Secondary treatment methods would include lifestyle changes such as exercise, altering diet, etc. Research has recently been done in both those areas that has opened the door to new thinking on how to address illness of the mind. Some of the change in thinking involves treatment, the rest prevention. However, it is the primary method of supplements that is the focus of this article.

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Are Mental Health Services Covered By Health Insurance?

Does Major Medical Health Insurance Cover Mental Health Services?

Many people are concerned about paying for mental health services. They know that they get these services from health professionals, or sometimes by medical doctors, and so they want to know if their health plan will help cover them. The answer to the question for any particular individual is, of course, it depends.

Group Major Medical From A Job

Many group major medical policies do provide employees with comprehensive coverage. This may include mental health coverage. Other employers may provide these services under another benefit program. If you get your medical benefits at work, you need to consult your policy or ask the human resources department. Some companies will post free, confidential phone numbers for employees who would like to seek help.

If it is not an emergency, it is safer to get an treatment pre-approved. This way you will know how much the group health plan will pay and how much you have to pay out of pocket.

Read the rest of this entry »

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Mental Health Treatment Facility – How to Identify a Top-Notch Treatment Center

A topnotch mental health treatment facility is in great demand. In today’s growing economy, there is an increasing number of persons who suffer from mental health illnesses or to put it bluntly; just able to cope with daily stresses. The problems, which are becoming more apparent, are sometimes looked upon as pitiful, deserving or embarrassing.

However, neither hiding from nor shunning the realities of the problem will help your family member or loved one cope with the condition. The solution lies in identifying the right facility that will best suit your needs. There are specialized facilities in every city, town or state that are designed to accommodate the needs of the community.

Each mental health problem is unique to the person and the disease. This uniqueness requires specific treatment that must address the condition in a holistic manner. ( holistic means, you should have treatment in all areas, Ie. Mentally, physically, and psychologically, in order to have a balance program). Some trained mental professionals try to avoid further occurrences by determining the triggering factors.

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Co-Occurring Disorders – Addiction and Mental Health Treatment Issues

A co-occurring disorder, also referred to as dual diagnosis, is when a person has a mental disorder, such as anxiety or depression along with a substance or alcohol abuse disorder. As if receiving or providing treatment for an addiction wasn’t enough to worry about, the very high prevalence of mental disorders among people with substance abuse problems makes treatment even more difficult.

In fact, according to the American Medical Association about 29 percent of people diagnosed with mental illnesses are also affected by either an alcohol or drug addiction as well and about 37 percent of people addicted to alcohol and 53 percent of people addicted to drugs have at least one major mental illness. Co-occurring disorders has an especially prevalence in criminal justice system. According to study printed in American Psychologist in 1991, 72% of both male and female jail detainees have co-occurring disorders.

In 2004, as reported by a survey conducted by the Substance Abuse and Mental Health Services Administration (SAMHSA), there were 4.6 million adults with both serious psychological distress and a substance use disorder of which 41.4% received treatment only for mental health problem; 5% received treatment only for substance use problems; 6% received treatment for both mental health and substance use problems; and 47.5% did not receive any treatment. These numbers are astoundingly high and seem to make it obvious that more attention needs to be paid to the proper treatment of people with co-occurring disorders.

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