Is Mental Health Covered By Insurance? 
Mental health is covered by most health insurance policies , but NOT all of them . I 'll explain : As a health insurance broker that has more than 33 years of experience -LRB- The time went fast ! -RRB- , this topic is often discussed . Any newly-issued Marketplace -LRB- Obamacare -RRB- policy must contain specific mental health benefits . It is one of the 10 `` essential '' benefits that legislation mandated to be covered . Many `` grandfathered '' plans do not cover these types of benefits , which is perfectly legal . And of course , you may have these types of benefits , but a deductible and/or coinsurance may apply . However , `` short-term '' plans -LRB- that are not ACA-compliant -RRB- are very popular , especially for persons that missed Open Enrollment or simply want no part of the Affordable Care Act . Typically , they do not cover mental illness expenses . 