Mental health coverage under the Affordable Care Act (ACA) & How to Find the Right Plan for You
The Affordable Care Act (ACA), also known as Obamacare, has made mental health coverage more accessible and affordable for millions of Americans. Under the ACA, all health insurance plans must cover a range of essential health benefits, including mental health and substance use disorder services. This means that you can no longer be denied coverage for mental health care based on pre-existing conditions, and you will have access to a variety of affordable coverage options.
What mental health services are covered under the ACA?
The ACA requires health insurance plans to cover a range of mental health services, including:
Inpatient and outpatient mental health care
Psychiatric care
Therapy
Counseling
Medication
Behavioral health treatment
How to find an ACA plan that covers mental health care
When you’re shopping for health insurance, it’s important to compare plans and make sure that they cover the mental health services you need. You can do this by:
Reading the plan’s benefits summary. This document will tell you what services are covered, what the deductibles and co-pays are, and what the out-of-pocket maximum is.
Talking to a licensed insurance agent. An agent can help you compare plans and find one that meets your needs.
Using the HealthCare.gov website. You can use the HealthCare.gov website to compare plans and enroll in coverage.
Other important things to consider when choosing an ACA plan
In addition to mental health coverage, there are a few other things you should consider when choosing an ACA plan, including:
Your budget. How much can you afford to pay for health insurance?
Your health needs. What health care services do you need?
Your preferred doctors and hospitals. Do you want to be able to see your current doctors and hospitals?
Your location. The availability of ACA plans varies from state to state.
By understanding the mental health coverage available through the ACA, and by following these tips, you can find an ACA plan that meets your needs and budget.
Question? or Need a Free Quote?
Contact Us
Reach out to us for free expert insurance advice and solutions. We will help you solve ACA (Obamacare) related questions and problems. Will contact you within 24 hours of receiving your message.