Health insurance companies must cover mental health. So, any health insurance should cover that care.
You’ll want to dig into the plan costs and provider network. How much you pay will vary by plan. Health plans that have lower premiums often have higher deductibles. A deductible is what you pay for health care services before your health insurer begins picking up a portion of the costs.
You pay more for health care services in a high-deductible health plan, but less for premiums.
You’ll want to review the cost of copays for mental health visits when choosing a plan. Copays are often between $20 and $50.
However, that’s not as important as the cost of premiums and deductibles. Premiums and deductibles cost more than a copay, so you’ll want to run those numbers.