While many Americans once lacked insurance coverage to pay for mental health treatment, the Affordable Care Act (ACA) has helped change that. Here are answers to some frequently asked questions about ACA mental health coverage.
The Affordable Care Act covers mental health and substance abuse disorder services. One of the most revolutionary aspects of the ACA is the requirement that certain health insurance plans on the health insurance marketplace provide this coverage. This includes individual and small group plans, as well as Medicaid Alternative Benefit Plans.
There are two other important components of ACA mental health coverage:
Insurance plans must cover individuals who require mental health treatment, per the Affordable Care Act (ACA). For people who have insurance coverage through large employer plans, mental health and substance abuse disorder services are subject to the parity protections required under the Mental Health Parity and Addiction Equity Act.
The law stipulates that mental health and substance abuse services generally cannot be more restrictive than those for medical and surgical services.
All state Medicaid programs provide some mental health services, and some offer substance abuse disorder services to enrollees. Medicaid covers a wide range of mental health services. Coverage depends on which type of Medicaid plan you’re enrolled in.
HealthMarkets works with more than 200 health insurance companies across the United States, providing you with numerous options to get an insurance plan that covers mental health.
HealthMarkets can help you find ACA mental health coverage and help you choose a plan that fits your needs, at no cost to you. Compare the different insurance options that are available in your area or call a licensed insurance agent at (800) 827-9990 today.
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* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.
Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.
HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.
This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.
© 2024 HealthMarkets Insurance Agency. All rights reserved.
* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.
Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.
HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.
This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.
© 2024 HealthMarkets Insurance Agency. All rights reserved.
* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.
Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.
HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.
This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.
