Mental Health Services Covered By Insurance

Mental health insurance coverage, including for co-occurring disorders, can vary by plan. Here are some common treatment types that may be covered:

• Inpatient or Residential Programs
• Outpatient Programs
• Intensive Outpatient Programs (IOP)
• Medication Management
• Therapy and Counseling

Each insurance plan is different, so be sure to verify your benefits to understand your options.

Yes! Thanks to the Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008, health insurance plans are required to offer similar coverage for mental health and substance use treatments as they do for medical care. However, coverage can still vary depending on your plan. Review your insurance details or reach out to your provider for clarity.

In many cases, you’ll need approval from your insurance before being admitted to a mental health facility. This helps confirm that the treatment is deemed “medically necessary.” Our team can assist with the approval process by conducting assessments and working with your insurance. In emergencies, admissions may happen right away, with details sorted out later.

Choosing an in-network mental health facility often means more affordable care, with your insurance covering a larger portion of the cost and leaving you with a smaller copay. It also simplifies billing since most of it is handled directly between the facility and your insurer, saving you from dealing with paperwork. Plus, in-network facilities are typically vetted by insurance companies, so you can trust you’re receiving quality care. To find out if we’re in-network with your plan, simply submit an insurance verification form.

After completing your primary mental health treatment, ongoing support is key to staying on track. This can include therapy sessions or support groups to help you continue making progress. Coverage for these services depends on your insurance plan—some may fully cover aftercare, while others might offer limited options. It’s a good idea to check with your provider so you know exactly what’s available to you.

Yes. At Cornerstone, we offer flexible payment plans for those who qualify. Financial assistance may also be available based on your income. Reach out and our team will explore these options to help you overcome any financial barriers that separate you from getting the care you need.