This content has been updated from previous article on November 1, 2023.
Since 2022, the Mental Health Parity and Addiction Equity Act (MHPAEA) and the Affordable Care Act (ACA) have mandated that mental health and substance use disorder services be covered by insurance plans at the same level as other medical and surgical services. This means that insurance plans are generally required to provide coverage for mental health treatment, therapy, counseling, and sometimes related prescription medications.
Getting mental health coverage through insurance has become easier thanks to recent federal regulations, including the Mental Health Parity and Addiction Equity Act (MHPAEA), updated significantly in 2024. Follow these three straightforward steps to confirm your mental health coverage: