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What Should I Do If I Lose My Mental Health Coverage?

What Should I Do If I Lose My Mental Health Coverage?

Unfortunately, the loss of mental health coverage can be an unexpected reality for many Americans. Whether this happens through the loss of a job, divorce, or through the realignment of eligibility for low-income Medicaid beneficiaries, knowing what to do if you experience a loss of mental health coverage is something everyone should be aware of. By understanding how to prevent unexpected expenses and continuing mental health treatment without interruption, you can protect yourself both financially and mentally.

Depending on the circumstances, communicate with your prior insurance company:

If you lose insurance coverage, you’ll want to contact your prior insurance company and request a letter of coverage. This letter will provide the dates that you were covered by your earlier insurance company and will prove to a future company that you were insured when you claim to be. This is also helpful when you’ve been receiving mental health services – in case your therapist bills your prior company after you lose coverage, this will prevent unforeseen expenses in the event the company denies the claim.

Talk to your therapist about options for payment:

While you are seeking out new insurance coverage, you’ll want to attempt to keep your mental health services as consistent as possible. If this happens, contact your therapist and explain the situation. They may be willing to continue working with you on a sliding-scale rate or provide alternative service arrangements in the interim. Bear in mind you’ll need to think about your budget for therapy even if you are offered a sliding-scale option.

Seek out other affordable options for treatment:

In the event your therapist is unable or unwilling to continue to work with you after a loss of insurance coverage, consider a prompt change of service provider so that you’re able to continue getting the care you need. The OpenCounseling therapist and counseling center directory specializes in locating and listing affordable counseling options both online and locally that can help during a transition between insurance coverage, or in the long-term if you need to move to self-pay only.

Search for Affordable Counseling in Your City:
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Jennifer Novack
Posted on 08/05/2017 by Jennifer Novack

Jennifer is a writer for OpenCounseling. She has worked at a number of state and non-profit organizations, providing counseling, training, and policy development