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Insurance

Many insurance companies provide coverage for mental health services. If you have private health insurance coverage (typically through an employer), check with your insurance company to see if mental health services are covered and, if so, how you may obtain these benefits. This also applies to persons enrolled in HMOs and other types of managed care plans. Find out how much the insurance company will reimburse for mental health services and what limitations on the use of benefits may apply.

If you are not covered by a private health insurance plan or employee assistance program, you may decide to pay for psychological services out-of-pocket. Some psychologists operate on a sliding-scale fee policy, where the amount you pay depends on your income. 

Another potential source of mental health services involves government-sponsored health care programs--including Medicare for individuals age 65 or older, as well as health insurance plans for government employees, military personnel, and their dependents. Community mental health centers throughout the country are another possible alternative for receiving mental health services. State Medicaid programs may also provide for mental health services from psychologists.

Insurance Coverage for Behavioral and Mental Health

Do you know all you need to know about Mental Health Parity? Check out this short video from APA! You can also download this brief handout for more information.