How Is Mental Health Covered Under Obamacare?

Question by Panoptic Industrial: How is mental health covered under Obamacare?
Is mental health covered by the plans in the insurance exchange? Is an M.A. therapist considered a “specialist doctor” even if they don’t have a medical degree? How do I find out how much is covered under various plans?

Best answer:

Answer by Zarnev
You’ll want to ask an agent that works with all of the major companies in your area.

All compliant health insurance plans sold in 2014, either on or off of the exchange, will have mental health coverage but it is limited.

A therapist is not considered a specialist, and depending on the type of therapy may not be covered.

In general, mental health is covered but with these exclusions:

– Treatment for chronic or organic conditions, including Alzheimer’s, dementia or delirium

– Ongoing treatment for mental disorders that are long-term or chronic in nature for which there is little or no reasonable expectation for improvement. These disorders include mental retardation, personality disorders, and organic brain disease.

– Counseling, testing, evaluation, treatment or other services in connection with learning disorders and/or disabilities, disruptive behavior disorders, conduct disorders, eating disorders, psychosexual disorders or transsexualism, motor skill disorders, communication disorders, attention deficit disorders

– Psychological testing or evaluation specifically for ability, aptitude, intelligence, interest or competency

– Psychiatric evaluation, therapy, counseling or other services in connection with child custody, parole and/or probation, and other court-ordered related issues

– Treatment in a residential treatment center except when voluntary or court-ordered for chemical and alcohol dependency

– Therapy, counseling or other services related to relationship and/or communication issues

– Counseling for educational, social, occupational, religious, other maladjustments, marital counseling, behavior modification, biofeedback, or rest cures as treatment for mental disorders

– Sensitivity or stress-management training, self-help training, and/or residential treatment except as covered with chemical or alcohol dependency

– Applied Behavioral Health therapy that includes sensory integration, LOVAAS therapy and music therapy

– Psychiatric or psychological examinations, testing and/or other services in connection with obtaining or maintaining employment, insurance, type of license, medical research and competency issues

– Behavioral treatment or drug therapy for sexual dysfunction and sexual function disorders regardless of whether the cause of dysfunction is due to physical or psychological reasons

Answer by Summer
Actually there is no such thing as Obamacare-

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