Determining how to access mental health services can sometimes be overwhelming. Below is a list of steps that will help you navigate insurance and seek the appropriate support for your child and family. If you have questions, contacting your insurance company is often a good start.
- Determine what insurance benefits are for mental health services. Then,
- Call insurance company
- Request benefit summary
- Find out specifics regarding what services are covered (length of stay, specialty assessments, number of sessions covered)
- Who is in network (location)
- Who/what provider is approved (i.e. find out what credentials are required)
- How does the insurance company define a “service” (for example, is it residential treatment, day treatment, etc.)
- What is the prior authorization process?
- What documents does the insurance company need for approval? Do they need a clinician to assess the “day of”?
- Do you have a co-pay?
- Does the insurance company have a case manager assigned?
Has your child had a psychological evaluation or diagnostic assessment in the past six months?
- What did it recommend?
- Was it written by a mental health professional?
- Is the county involved with your child? For example, mental health case management.
Types of Insurance
If you do not have insurance, please contact your county’s social services office.
- Medical Assistance (MA)
You may wish to contact the mental health agency you wish to work with about financing options. In addition, some Employee Assistance Plans (EAP) may include coverage.