When it comes to your health and the holidays, caring for your mind and body can be a struggle. Caring for your mental and physical health can be a struggle year-round, and many individuals find the holidays especially triggering.
How to Cope With Your Health and the Holidays
While the holidays can be a magical time full of love and celebration, some find the holiday stress and pressure difficult. From grief and loss, this time of year can be overwhelming. If you are one of millions of individuals who suffer with physical and/or mental illness, we want you to know we many health insurance policies provide access and care to your mental health.
Mental Health Coverage
Currently, all marketplace plans cover mental health and substance abuse services as essential health benefits. All plans must cover:
- Behavioral health treatment like psychotherapy and counseling
- Mental and behavioral health inpatient services
- Substance abuse treatment
Are pre-existing conditions covered?
Yes, pre-existing mental and behavioral health conditions are covered, and spending limits aren’t allowed. Marketplace plans can’t deny you coverage or charge a higher amount just because you have a pre-existing condition. Coverage for treatment of all pre-existing conditions begins the day your coverage starts. Marketplace plans also cannot put a yearly or lifetime dollar limit on coverage of mental health and substance abuse needs.
Wether you are dealing with depression, anxiety, a mood episode, seasonal stress, or the holiday blues, it’s important to talk to someone. While friends and family can offer great support, mental health professionals are also instrumental in helping you manage. Do you already see a therapist? That’s great — Keep it up! There are also numerous free mental health resources available like the Crisis Text Line, a text-based mental health service which puts individuals in touch with trained counselors 24 hours a day. It’s designed for those who are in crisis and/or are experiencing emotional distress.
Florida Healthcare Insurance Cares
Not sure where to begin? Try the National Alliance on Mental Illness, which offers great material on how to maintain your mental health during the holiday season. Do you have health insurance and aren’t sure if your policy covers mental health? Give us a call! We can help you identify the coverage you need that begins quickly and is affordable. Our team here at Florida Healthcare Insurance wishes you and your loved ones a safe and joyful holiday season and healthy new year!