Is Mental Health Covered By Insurance? 
If your health insurance policy is not a grandfathered plan put in place before the Affordable Care Act -LRB- ACA -RRB- provisions went into effect and certainly if you have enrolled in a major medical policy after January 1 , 2014 then the answer is `` Yes '' . Under the ACA law health insurance plans must treat mental health and substance abuse problems as any other illness . In addition , there are now provisions for preventive care services in relation to some mental illnesses , depression screening and behavioral assessments for example , that must be covered at no cost to the member . A policy holder should carefully examine the provisions of their own policy or call their insurance carrier 's member services department to verify what services are covered , where they are covered and what coverage provisions of your contract your needed services are subject to . For example , if you are an individual who enrolled in a Bronze level plan and youneed mental health services that are not preventive in nature but are for actual treatment then it is a virtual certainty that these services will be subject to your plan 's deductible and/or co-insurance provisions before you begin to see the insurance carrier paying for these services . In many cases this could be an amount in excess of $ 6000 before you would cease paying out-of-pocket for any services . Also , verify which mental health/behavioral health providers and facilities are in-network with your provider and determine if you have to be pre-certified to see any of these providers before you seek care in a non-emergency situation . 