Best mental health insurance of 2022 – Forbes Advisor
Besides private health insurance, there are many other ways to access mental health treatment. Maybe you can’t afford health insurance premiums or your employer doesn’t offer medical insurance. Whatever your situation, here are some alternatives for getting mental health treatment with or without insurance.
Medicaid is a federally and state-funded health insurance program for low-income Americans. To get Medicaid, you must meet your state’s income requirements. Medicaid covers various treatments for mental health and substance abuse disorders, including individual and group therapy, partial hospitalization, medical detox, residential treatment, and medication.
You might consider trying a therapy app if you don’t have mental health insurance. These mobile apps allow you to connect virtually or over the phone with a licensed mental health professional when it’s convenient for you. Many apps, like Talkspace and BetterHelp, charge a monthly fee rather than a per-session rate.
Related: 10 Best Online Therapy Services
Employee Assistance Program
An Employee Assistance Program (EAP) is a resource that helps individuals overcome personal issues that affect their performance on the job. This program offers counseling and treatment for a variety of issues, including substance abuse, financial issues, and relationship difficulties. But you can only participate in an EAP if your employer offers it.
If you served in the military, there are several ways to take advantage of mental health treatment services. VA offers free individual and group counseling for veterans, as well as addiction treatment programs, even for those who are not registered with VA Healthcare. If you have VA Healthcare, you can access more comprehensive mental health treatment benefits.
If you’re in college, your campus health center may offer mental health services with licensed counsellors. These services are often free for full-time students. On-campus counseling can be an accessible option for students who need help dealing with stress, anxiety, depression, substance abuse, and even career uncertainty.
Many nonprofits offer free mental health and addictions support through toll-free helplines. These helplines provide 24/7 crisis assistance and can refer to local treatment centres. Here are some resources available nationwide: