Skip to content
LifeStance Insurance

LifeStance Insurance FAQ

What You Need to Know to Find Online Therapy or Mental Health Care Providers That Take Your Insurance

We all can agree that for a person’s overall well-being, mental health is just as important as physical health. Chronic emotional distress can significantly increase the chances of developing serious physical disease. Yet, too often, health insurance covers mental health care differently than other kinds of medical services, creating barriers to affordable, accessible mental health care and reinforcing a stigma around mental illness and seeking mental health treatment.

To promote mental health, federal lawmakers passed a law in 2008 called the Mental Health Parity Act (MHPA). The law does not require that health insurance plans include mental health services. But it does require that if mental health services are offered, the coverage must be comparable to the physical health coverage offered.

Any health insurance plan that offers mental health services must cover:

  • Behavioral health treatment, like psychotherapy, talk therapy, and counseling
  • Mental and behavioral health inpatient services
  • Substance use disorder (commonly known as substance abuse) treatment

Insurance FAQs