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What is the coverage for mental health in insurance policies? I am curious about the amount of coverage provided by insurance policies for mental health services.
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Insurance coverage for mental health varies depending on the specific policy and provider. Generally, insurance plans are required to cover mental health services under the Mental Health Parity and Addiction Equity Act (MHPAEA) of 2008. This means that the financial requirements and treatment limitations cannot be more restrictive for mental health or substance use disorder benefits than they are for medical or surgical benefits. However, the extent of coverage can still differ significantly between plans. Some policies may cover a certain number of sessions per year, while others may have a lifetime cap on mental health benefits. It's important to review your specific insurance policy to understand the details of your mental health coverage. If you're unsure, contact your insurance provider for clarification.
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