Best Companies for Mental Health Insurance of 2024

Are you in search of the Best Companies for Mental Health Insurance in 2024? If you are then, this blog post will present you with information on it. If you were under the impression that there is no insurance coverage for individuals with mental health issues, then you will be shocked to know that there is one, and there are reputable organizations that offer it.

Best Companies for Mental Health Insurance of 2024

Insurance is something that lots of individuals consider at this recent time and that for mental health, it offers service that helps that is termed required. You will get a lot of information from reading this content and it will be best if you keep reading.

Best Companies for Mental Health Insurance of 2024
Best Companies for Mental Health Insurance of 2024

Kaiser Permanente

Kaiser Permanente health plans integrate health insurance and the delivery of health services. With this system, members receive coordinated care and many Kaiser Permanente health insurance plans cover mental health and addiction treatment.

Going further, if you require mental health assistance, a Kaiser representative can connect you with a mental health professional via phone, in-person, or telehealth visit without requiring a referral from your primary care doctor.

Blue Cross Blue Shield

The particular or specific ailments and treatments covered by Blue Cross Blue Shield health insurance vary depending on your area and plan. Also, Blue Cross Blue Shield policies are provided by numerous businesses, and each one has a different level of coverage.

Meanwhile, common mental health conditions like anxiety, depression, eating disorders, and substance abuse disorders are often covered by the majority of insurance policies. Furthermore, outpatient, community-based, and inpatient care may be covered if required.


Both in-person, telephone, and telemedicine appointments for mental health therapies are all covered by UnitedHealthcare. Also, the business includes a wide network of behavioral health professionals, including 73,000 virtual and almost 270,000 physical providers. Your plan will determine the particular benefits you can obtain for mental health.

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Customers of Aetna have access to a range of mental health care services, including in-person counseling and online appointments, and also, if you require assistance, you can be matched with a personal care advocate who can locate the ideal medical specialist for your requirements.

However, many common services, including behavioral therapy and medication management, are covered by Aetna plans.


Comprehensive coverage for mental health services is offered by Cigna health insurance plans and Individual treatment, support groups, partial hospitalization, and 12-step recovery programs may all be covered by your insurance plan.

Also, if it is deemed or seen medically necessary, you may also be eligible for payment for inpatient hospitalization or inpatient residential care.

Types of Health Insurance Plans

Health Insurance plans have types that will be stated and given further explanations for more enlightenment.

Preferred Provider Organizations (PPO):

Well, you should know that in most cases, specialists can be seen without a referral from your primary care physician (PCP) under preferred provider organization (PPO) health insurance plans. Although PPO plans allow you to receive medical care from a provider outside the network, the services are only partially covered.

Health Maintenance Organization (HMO):

Plans covered by health maintenance organizations (HMOs) typically demand referrals for specialist visits and if you seek treatment outside of the network, you won’t be covered unless it’s an emergency.

Exclusive Provider Organization (EPO): 

EPO health insurance plans allow you to see a specialist without a referral as long as the specialist is in the network. However, except in the case of a medical emergency, EPO plans do not cover out-of-network care.

What is Covered by Mental Health Insurance

There are actually certain things that mental health insurance covers and they are actually going to be listed below for you to have an idea on.

  • Talk therapy.
  • Partial hospitalization.
  • Substance abuse treatment.
  • Emergency care.
  • Inpatient hospitalization.
  • Medication.

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What Does Mental Health Insurance Not Cover

Well, you should also know that there are things that mental health insurance does not cover and they are listed below.

  • Non-medically necessary addiction or mental health treatment
  • Halfway houses.
  • Therapies under investigation.
  • Genetic testing for psychotropic medication.
  • Third-party treatment, such as that requested by a school or employer
  • Addiction or mental health educational programs such as wilderness therapy.
  • Treatment for long-term mental illness or addiction.

Frequently Asked Questions 

This section of the article provides some of the frequently asked questions about the Best Companies for Mental Health Insurance in 2024 for you to be more enlightened.

What is the best state for mental health care?

Listed below are the states with the best mental health services that you need to consider.

  • Vermont.
  • Rhode Island.
  • Alaska.
  • Oklahoma.
  • New Mexico.
  • Connecticut.
  • Maine.
  • Delaware.

Who deals with mental health the most?

Clinical psychologists have received specialized training in the identification and management of mental diseases. Also, they are the kind of psychologists you are most likely to go to if you need assistance with a mental health problem.

Where is the best place to live if you have mental issues?

Those with severe mental illness, disabilities, or medical issues can live in licensed care homes, assisted living facilities, and nursing homes because they offer a highly controlled lifestyle. Well, apart from a tiny allowance, tenants typically pay the majority of their income because they have access to staff around the clock and meals are given.

What is the hardest mental health to live with?

Whether they are experiencing joy and exhilaration or melancholy, anxiety, and fury, people with borderline personality disorder (BPD) feel paralyzed and overwhelmed by the strength of their emotions and these strong emotions get the better of them.

What Is the most painful mental illness?

Well, it has long been thought that persons with borderline personality disorder (BPD) experience the greatest amount of emotional discomfort and distress. Moreso, according to studies, borderline patients go through prolonged, severe emotional pain and mental anguish.

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