In today’s competitive world, we have so many options available when it comes to insure our health. Yes, we can have plenty of choices in front of us to choose the right health insurance company which can save our back whenever needed. Most of the people who have insured their health don’t know what’s included in their policy as they don’t read the official papers or ask questions to the agent while insuring their life.
There comes a time when you need additional therapy to cure the disease. However, many patients hesitate to go for the therapy as they can’t simply afford the cost of the therapy. Many of them have the life insurance policy but they are simply unaware about does insurance cover therapy cost?
We all live in a digital era where we can get different types of services over a phone or through video conferencing by sitting in our drawing-room. If you are suffering from a mental health disorder, then you can go for mental health therapy’s treatment. If you already have the health insurance and have the question of “is therapy covered by insurance?” then you have to first do a little homework.
Apparently, there’s a different law for mental health disorder. This means the health insurance company has to follow the law while insuring the people’s health through their life cover or health insurance policies. The law was passed in the year 2008 and since then, all the health insurance providers are following the same laws.
What does the law do?
The law for mental illness asks the insurance company to cover the mental disorder or mind-related services equal to surgeries and medical treatments. An insurance company can’t charge extra money for the therapy or the treatment. You cannot tell which law implies to your policy without knowing much about it.
However, as noted above, insurance companies are providing different types of health insurance policies for people with different requirements. You can include the mental health-related diseases in the policy and for that, the actual amount for the policy will be increased. The more services you include, the high amount for the policy you have to pay.
If you are confused about the same, the first thing you may want to do is contacting to the policy provider. Yes, this is the first step to overcome all the confusions that you have regarding the policy. Go to their website, find out the contact us page and dial their number to get your queries related therapy and other mental health related questions solved.
How will I know If the Policy Covers Mental Health Therapy?
The law is different and hence the insurance companies’ guidelines. There’s no straight answer to this question, as we have said earlier in this article, you have to ask about the same to the policy provider. If the policy covers mental health therapy, you need to ask the conditions for that as well.
Alternatively, you can also contact the therapy provider or therapists regarding the same. You can ask the same question to the therapist or his assistant before taking an appointment. He will ask you a few questions regarding your health insurance policy and then will give you satisfactory answers.
HealthCare Department in different countries has invented different laws for the insurance companies so that they can’t mess up with different diseases. They have separated the list of diseases and prepared different types of health insurance plans to cover up the illness or diseases. As per your current health condition, you can go with a suitable policy which can cover up the things or the treatments you may require in the future.
People who are struggling with mental illness can now go with different therapies. There are different types of therapies for different types of health conditions. Brain requires special therapy which can also be done over the Internet. Yes, you can go with the online therapy or we can say phone therapy to get a special treatment to cure your mental illness.
If the policy you have doesn’t include the mental health illness or such therapies, you can go with the cheapest online therapy. It is affordable, effective and can show you the desired results.
We are saying it again, we don’t really know what’s included in your health care policy. The only person who can give you the right answer to your policy is the policy provider. Contact your health care policy provider and ask him straightly!