With insurance, therapy usually costs far less than the $100-$250 per session you’d pay out of pocket — but “far less” depends heavily on your specific plan design. Here’s what actually determines your cost, and how to figure out your number before you book a first session. The four numbers that determine your cost Your…
A mental health deductible is the amount you pay out of pocket for covered mental health services before your insurance starts sharing the cost. For most modern health plans, there is no separate “mental health deductible” — it’s the same deductible that applies to your medical care overall, thanks to federal parity requirements. Here’s how…
Yes, insurance covers psychiatrists — psychiatric visits are medical care covered under your health plan’s mental health benefits, and thanks to federal parity law, they’re generally covered on the same terms as seeing any other medical specialist. Here’s how psychiatric coverage actually works and where it differs from therapy coverage. Psychiatrist visits vs. therapy visits…
Millions of Americans are sitting on a benefit they have never used — and most do not even know it exists. Employee Assistance Programmes (EAPs) are employer-sponsored benefits that provide free short-term counselling and mental health services — completely separate from your health insurance, with no copay, no deductible and no impact on your insurance…