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Insurance is a crucial tool that can grant access to needed treatment to get well. Health insurance helps pay for mental health care needs including checkups, visits to specialists, emergency care and hospital stays. In most cases insurance will keep a person from paying the full cost of medical services.
Getting insured or reviewing your current insurance plan may seem complicated, but knowing the basics can help you navigate the system successfully.
Understanding the differences about health insurance plans can help a person make an informed decision about what plan is appropriate and what options are available. The level of coverage and availability of services and mental health professionals depends on the type of plan chosen.
Common types of health insurance include:
If insurance is provided through a job or government programs, there may be fewer health plans that are available to choose. If insurance is not offered by an employer or you are not enrolled in a government program, additional insurance options are available through the Health Insurance Marketplace.
Read more about these insurance options that may be available on our page about types of health insurance.
Each person is different and not everyone needs the same amount of insurance. The limiting factor for many people is the cost of the plan. But a person should make sure to get the most coverage for the money he or she spends.
Whether choosing insurance for the first time or evaluating a current plan here are some things to keep in mind: