The cost of obtaining mental health treatment varies widely depending on the location, type of treatment or condition, the education and experience level of the provider, and several other factors. Generally not covered by major medical insurance carriers. Plans range from $40 per week for text, phone and video sessions and chat on up, depending on the package. Some insurers will not cover, except for rural areas where no in-person therapists are available. More if a medical detox is required.Īvailability varies by carrier and state. $6,000 to $25,000 and up for a 30-day drug rehab program.
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Sessions with student therapists still in training may be available for as little as $20 per hour.Īnnual deductible, plus a percentage (10% to 20%). Licensed psychologists will charge toward the higher end of the scale, as will psychiatrists, though psychiatrists are M.D.s who don’t typically concentrate on talk therapy. $65 to $250 and up per one-hour session, depending on market and experience, specialty and education of provider. Typical out-of-pocket cost ranges from $20 to $50 per session after the deductible. If you have a medical history of any of these actions, you're considered to have a pre-existing condition.Ĭopay of $5 to $50, subject to deductibles and coinsurance. In addition to formally diagnosed psychological and behavioral disorders, Insurance underwriters also look at histories of suicide attempts, cutting, pica (eating inedible items) and other actions. Other mental health and behavioral health conditions Some of the more common mental health conditions that may be considered as pre-existing by insurance companies, especially outside of the open enrollment periods, include: Types of Pre-Existing Mental Health Conditions But major medical insurance companies have to take you on, provided you’re purchasing coverage during the annual open enrollment or a special enrollment period. Disability and long-term care insurance carriers can - they aren’t subject to the Affordable Care Act’s restrictions. Specifically, medical insurance carriers cannot decline your application based on pre-existing medical or mental health conditions. However, if you purchase your coverage during the annual open enrollment period or a special open enrollment period after losing your prior coverage, you have some protections under the ACA and the Health Insurance Portability and Accountability Act (HIPAA). If you have been diagnosed with a condition, or you have seen a health care provider for a health condition, it’s part of your medical record.ĭepending on how long ago the diagnosis or treatment was, the type of treatment provided and the severity of the condition, the insurance carrier may decline the application outright or charge a higher premium. Pre-existing conditions are physical, psychological or behavioral health conditions that are known to exist at or before the time of the application for insurance.
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