Feeling overwhelmed? Thinking about therapy is a brave first step! But the question of cost often looms large. So, *is therapy covered by insurance*? The short answer: often, yes, but it's complicated.
Many health insurance plans include mental health coverage, thanks to the Mental Health Parity and Addiction Equity Act (MHPAEA). This law generally requires insurers to cover mental health services similarly to physical health services.
However, coverage varies widely. Check your plan's Summary of Benefits and Coverage (SBC) document. Look for details on:
* **Deductibles:** How much you pay before insurance kicks in.
* **Copays/Coinsurance:** Your share of the cost per session.
* **In-network vs. Out-of-network providers:** In-network therapists are typically more affordable.
* **Pre-authorization:** Some plans require approval before starting therapy.
* **Limitations:** Some plans limit the number of therapy sessions.
Contact your insurance provider directly to confirm your specific mental health coverage. Don't let financial concerns prevent you from seeking the support you deserve!
