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.