Navigating the world of health insurance can be overwhelming, especially when it comes to understanding the full range of services available to you. Here are four ways your health insurance can significantly enhance your mental health and overall wellness.

#1 Built-in mental health benefits

Many people are unaware of the comprehensive mental health services included in their health insurance plans. Regularly visiting your primary care physician can help you receive referrals for therapists and psychologists covered under your policy. Don’t hesitate to reach out and explore the range of mental health benefits offered such as counseling sessions, support groups and psychiatric evaluations.

#2 Employee Assistance Programs (EAP)

Beyond standard mental health coverage, many employers offer EAP services. These programs are resources designed to support employees with various personal issues, not just mental health. EAPs can provide confidential assistance for financial advice, legal support, relationship counseling and even work-life balance strategies. Utilizing them can lead to improved overall well-being and help you manage stress more effectively.

#3 Therapy and psychiatric medications coverage

Many health insurance plans cover therapy sessions and psychiatric medications, often at a lower co-pay than you might expect ($20-$50 per session, on average). The U.S. government requires insurance companies to treat mental health visits the same as medical/surgical visits, meaning your health insurance can’t charge a $40 co-pay for a mental health visit if it typically only charges $20 for a medical visit (Mental Health Parity and Addiction Equity Act). Familiarize yourself with your plan’s details to understand how and when you can access these vital services. Regular therapy and proper medication management can play a significant role in maintaining your mental health over time.

#4 Free mental health resources

Some health insurance providers offer complimentary mental health resources, including helplines, online support groups, and wellness apps. These resources can guide you through stressful times, offer educational materials and connect you with support networks.  

Shift your perspective from barrier to opportunity

It’s important to reframe the way you view your health insurance. Instead of seeing it as a barrier to care, consider it an opportunity to enhance your life and wellness. Take advantage of the resources available to you and prioritize your mental health and well-being. Engaging with your health plan proactively can lead to improved health outcomes and a higher quality of life.