Group Health Insurance Mental Health Benefits

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Mental health benefits have become an extremely important part of group health insurance plans in recent years. Learn about group health insurance mental health benefits with help from an experienced insurance professional in this free video clip.

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Video Transcript

Hi my name is Tim Tracy, co-founder of Insuringct.com, and this is small group health insurance, mental health benefits. Mental health benefits have become an extremely important part of group health insurance plans so it's important to look at and determine exactly what those benefits are in your policy. Previously there used to be a number of gray areas in mental health benefit coverage. There often used to be limitations on the number of visits. There often used to be higher copays, different deductibles. But now, thinks the the mental health imparity act, a lot of those have gone away. So what you want to look at is to make sure if your plan covers mental health benefits just the same as any other illness or sickness. So for example, if your current specialist co-pay for example is a $45 co-pay well on your mental health benefit side, you want to make sure that that is also a $45 co-pay for that office visit. If it's not, I would definitely propose the question as to why is that the case. If you're going for an inpatient facility, you're going to want to make sure that that mental health benefit matches up with your inpatient hospital benefit. So for example if you have a $500 hospital co-pay it should be the exact same if you're going to an inpatient mental health facility. This isn't the same on all the plans so it's important to make sure that you review your certificate booklet that you got from your health insurance carrier carefully. If it's something that you misplaced or lost which happens all the time, you'd want to contact your HR Department or your employer to request a new copy to examine those mental health benefits carefully. My name is Tim Tracy, co-founder of Insuringct.com and this is your guide to mental health benefits on small group health insurance.

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