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Mental Health Insurance Plans Explained

Navigate the complexities of mental health insurance with ease through our comprehensive guide at Clarity Clinic where we demystify the intricacies of mental health insurance to empower you in accessing the care you deserve.
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How to Determine Your Insurance Coverage for Cost of Care

How To Find Out What Your Behavioral/Mental Health Benefits Are

A Step-by-Step Guide to determining your benefits

  1. Call the customer service number located on the back of your insurance card or contact your HR department to obtain more information on your mental health care benefit coverage.
  2. Ask the following questions:
    1. Do I have coverage for outpatient mental health or behavioral health services in Illinois?
    2. Do I have a deductible for outpatient mental health services? What is the deductible amount?
    3. A deductible is a fixed amount the patient has to pay each year before their insurance company will begin to cover the cost of a covered service.
  3. Do I have a copay or coinsurance?
    1. A copay is a fixed amount the patient pays each visit to share the cost of a covered service with the insurance company. Coinsurance is a fixed percentage the patient is expected to pay once their deductible has been met.
  4. Are my mental health services covered through another carrier?
  5. Do I need to obtain prior authorization or a referral to receive mental health services?

Health Insurance Terms Explained

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