Mental Health and the ACA

Healthcare.gov plans are required to help pay for mental health services like counseling and psychotherapy. Healthcare.gov plans can’t put yearly or lifetime dollar limits on coverage of mental health services.

Additionally, some mental health services are completely free. For example, alcohol abuse screening and counseling, as well as depression screening, are free for adults. And behavioral health assessments are free for children at no cost. You can find more free preventive services for adults and children on Healthcare.gov.

To find out how much of the cost of mental health services is covered by your health insurance plan, look at the Summary of Benefits and Coverage. This document is available in your Healthcare.gov account, or you can call your health insurance company to get a copy. When you’re shopping for a health insurance plan and know that you will want to use mental health services, make sure you compare the Summary of Benefits and Coverage documents of each plan.

To find a therapist or other mental health professional in the Charlotte area, you can use the Bright Health provider search tool or the Blue Cross Blue Shield provider search tool (tip: search “psychology” or “psychiatry”).

If you need health insurance coverage, a Special Open Enrollment Period is open through Aug. 15, 2021. 

Learn more about how to get covered, or call 980-256-3782 to reach a Health Insurance Navigator for free assistance. You can leave a message with a quick question or schedule a longer phone appointment.

National Suicide Prevention Hotline: 1-800-273-8255