Finding Affordable Mental Health Care Services Under the Affordable Care Act (ACA)

The Affordable Care Act (ACA), also known as Obamacare, has expanded access to affordable health insurance, including mental health care services. If you’re struggling to afford mental health care, the ACA can help.

What is Mental Health Coverage Under the ACA?

The ACA requires most health insurance plans to cover a range of mental health services, including:

Outpatient and inpatient mental health care
Substance abuse treatment
Behavioral health screenings and interventions
Mental health counseling and therapy
Prescription drugs for mental health conditions

How to Find Affordable Mental Health Care Under the ACA

There are several ways to find affordable mental health care under the ACA:

Medicaid Expansion: If your income is below a certain level, you may be eligible for Medicaid expansion, which provides free or low-cost health insurance, including mental health coverage.
Health Insurance Marketplace: You can purchase health insurance through the Health Insurance Marketplace. Many plans offered through the Marketplace cover mental health services, and you may qualify for subsidies to help pay for your coverage.
Community Health Centers: Community health centers provide affordable health care, including mental health services, to low-income and uninsured individuals.
Sliding Scale Fees: Some mental health providers offer sliding scale fees, which means that you pay based on your income.
University Programs: Many universities have graduate programs in psychology or counseling that offer low-cost mental health services to the community.

Other Tips for Finding Affordable Mental Health Care

Ask for Referrals: Ask your friends, family, or doctor for referrals to mental health providers who offer affordable services.
Contact Your Local Mental Health Association: The National Mental Health Association (NMHA) can provide you with information about local mental health services and resources.
Online Directories: There are several online directories that list mental health providers who offer sliding scale fees or other affordable options.

If you’re struggling to afford mental health care, don’t give up. There are resources available to help you find affordable services. By exploring the options listed above, you can find the mental health care you need at a price you can afford.

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