How Your Coverage Can Help With Mental Health

Mental Health is getting a lot more attention by our society than before.

In previous generations, if someone was having a hard time with something, they were encouraged to ignore it or think about something else. If you’ve ever struggled with mental health, then you know that it is not as simple as that. But we see a change in the way that people are responding to not only their own but others mental health needs. One of the most significant shifts came when Mental Health Parity Acts were passed. This is a law that states that health care plans cannot limit the care provided for mental health over physical health care.

In the state of California, we have the California Mental Health Parity Act which states that “Health care service plans or insurance plans must cover care for persons with “severe mental illnesses” as they do for other people with other health conditions or illnesses.” (source)

But this act does also enumerate a few key issues that are important to know. First that this act only applies to health care services that are state regulated. They also define what illnesses are considered severe and fall under this law. This list usually includes Major depression, Panic disorder,  Obsessive-compulsive disorder, Obsessive-compulsive disorder, Bipolar (manic-depressive) disorder;  Obsessive-compulsive disorder; Anorexia, Bulimia, Schizophrenia, Schizoaffective disorder, Autism or Pervasive Developmental Disorder, and Children’s severe emotional disturbances.  Under this law, you have the right to get diagnosed, change your doctor, get your medical records, the right to keep those records private and to get a second opinion.

When it comes to mental health, it is essential to reach out for help.
Precisely what is offered in your health insurance for mental health changes between different the plans. If you have questions about what is covered by your health insurance, please feel free to reach out to your provider or us. We want to ensure that you get all of your physical and mental health insurance questions answered.