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Mental Health Insurance Benefits

 

Develop an Informational Pamphlet Explaining Mental Health Insurance Benefits
Assignment
Select a state, and then develop a pamphlet for the general public comparing private insurance mental health benefits and Medicaid insurance mental health benefits. Include information such as:
• what services insurance is likely to cover,
• what it likely won’t cover,
• what to do if individuals do not have access to service via insurance, and
• information about mental health parity in the Affordable Care Act.
The pamphlet should be easy to read, include visual aids, and reflect the state that was selected.
Length: 3 pages, not including title and reference pages
References: Include a minimum of 3 scholarly resources.

 

 

 

Sample Solution

Private insurance plans vary widely in what they cover, but most plans will cover some form of mental health treatment. Common covered services include:

Mental Health Insurance Benefits

What services are covered?

  • Private insurance: Private insurance plans vary widely in what they cover, but most plans will cover some form of mental health treatment. Common covered services include:
    • Inpatient and outpatient therapy
    • Prescription medication
    • Partial hospitalization programs
    • Intensive outpatient programs
    • Residential treatment
  • Medicaid: Medicaid plans also vary in what they cover, but they typically cover a wider range of mental health services than private insurance plans. Common covered services include:
    • Inpatient and outpatient therapy
    • Prescription medication
    • Partial hospitalization programs
    • Intensive outpatient programs
    • Residential treatment
    • Early intervention services for children
    • Substance abuse treatment

What services are not covered?

  • Private insurance: Some private insurance plans may not cover certain types of mental health treatment, such as:
    • Electroconvulsive therapy (ECT)
    • Transcranial magnetic stimulation (TMS)
    • Long-term residential treatment
  • Medicaid: Medicaid plans may also not cover certain types of mental health treatment, such as:
    • ECT
    • TMS
    • Long-term residential treatment

What if I don’t have access to mental health services through insurance?

  • There are many resources available to people who do not have access to mental health services through insurance. These resources include:
    • Community mental health centers: These centers offer a variety of mental health services, including therapy, medication, and support groups.
    • Nonprofit organizations: There are many nonprofit organizations that offer mental health services, such as the National Alliance on Mental Illness (NAMI) and Mental Health America.
    • State-funded programs: Many states offer mental health programs that are funded by the state.

Mental health parity in the Affordable Care Act

  • The Affordable Care Act (ACA) requires most health insurance plans to offer mental health and substance use disorder (SUD) benefits that are no more restrictive than the benefits offered for other medical and surgical services. This is known as mental health parity.
  • The ACA also requires health insurance plans to cover certain essential health benefits, including mental health and SUD services. These essential health benefits include:
    • Inpatient and outpatient mental health and SUD services
    • Prescription drugs for mental health and SUD
    • Partial hospitalization and intensive outpatient programs
    • Emergency services for mental health and SUD

How to get help

  • If you are struggling with your mental health, there is help available. You can get help by:
    • Talking to your doctor
    • Calling a mental health hotline
    • Visiting a community mental health center
    • Contacting a nonprofit organization that offers mental health services
    • Applying for state-funded mental health programs

Resources

  • National Alliance on Mental Illness (NAMI): https://www.nami.org
  • Mental Health America: https://www.mentalhealthamerica.net
  • SAMHSA National Helpline: 1-800-662-HELP (4357)
  • MentalHealth.gov: https://www.mentalhealth.gov

This pamphlet was created for the state of California. The information in this pamphlet may vary depending on the state in which you live.

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