Why Talk To A Professional

Because your mental health deserves expert care. In a world where stress, anxiety, and life’s challenges can feel overwhelming, our team of experienced therapists is here to be your compass in the storm. Please don’t go through these struggles alone; let us help you find your way to calmer shores. Connect with us today, and together, we’ll work towards building a stronger and happier you.

Understanding Health Insurance

Health insurance can be confusing with different types of plans and ways to get coverage. There are public plans run by the government and private plans regulated by the state.

Different Types of Plans
Public insurance plans like Medicare help seniors and people with disabilities who can’t work. Medicaid is for low-income individuals and families. These plans mostly cover care in hospitals, and many doctors accept Medicare. But sometimes, you might need to go to public clinics because not all doctors take public insurance like Medicaid and Medicare.

Private insurance plans have different levels of coverage, especially for mental health treatment. The law says that insurance companies must cover mental health and physical health equally, which is called “parity.” But some plans might not cover certain mental health services. It’s important to understand what your plan covers for mental health and if it’s “in network” or “out of network” because that affects how much you’ll pay.

When you’re looking for a new insurance plan, it can be helpful to talk to someone who knows about insurance, like a parent or another adult, or contact your insurance provider for help understanding your coverage.

Staying on Your Parent’s Plan
If you’re a young adult, you can usually stay on your parent’s insurance plan until you turn 26. This is required by the government for employer-based plans.

But there are two things to think about:

  • Cost: Depending on your school or job, your parent’s plan might not be the cheapest option. Check if your school or workplace offers insurance and compare the costs. Sometimes, getting your own plan is more affordable.
  • Privacy: If you’re on your parent’s plan, they might get a document called an Explanation of Benefits (EOB) when you get medical care. Even though it has your name, it could be sent to your parent’s home. This could be a privacy concern, especially for your physical or mental health care.

Some insurance plans let you add your long-term partner, not just dependents. So, if you’re in a committed relationship, you might be able to join your partner’s plan.