Does Insurance Cover Rehab For Depression?

02/16/2022

Does Insurance Cover Rehab For Depression?

Roughly one in every ten people, or 10% of the population, struggles with some degree of depression. This mental illness is extremely common, yet only one third of the people who suffer from it decide to receive treatment. The primary reason for this resistance is the cost of care. Treatment for depression can get very expensive, but there are many resources that may help you pay very little, or even nothing at all, to enroll in a rehabilitation program for depression.

The Impact of Depression

Depression can affect an individual in many different ways. Depending on a person’s specific condition, the side effects they feel may vary. Someone who suffers from depression may experience any or all of the following symptoms:

Trouble sleeping/lack of sleep
Bodily pain and discomfort
Weight gain or appetite changes
Problems with their social life
Decreased libido & sex drive
Lack of energy and motivation
Decreased focus at work or school
Difficulty completing everyday tasks
Issues with memory and decision making

This mental illness could also put individuals at risk for certain diseases, like cardiac problems, if not diagnosed or treated properly. If you or someone you love is dealing with any of the side effects of depression above, it may be time to start considering your treatment options.

How Depression Rehab Could Help

Rehabilitation for depression is designed to give individuals with this mental illness all the tools they need to cope in the present and combat depressive moments in the future. By going to rehab for depression, a person will be exposed to a variety of different treatment methods like psychotherapy, medication, case management, and more.

Everyone who enrolls in a rehab program for depression will receive a custom treatment plan to set them up for success. The many treatment methods that rehabs for depression offer may help an individual get better sleep, relieve physical and emotional pain, have a more active sex life, prevent diseases, detect warning signs of depression in the future, be in a metter mood, have more energy, and more.

Affording Rehab for Depression: Does Insurance Cover It?

Most insurance plans should cover rehab for depression. This is mostly thanks to the Affordable Care Act, which the healthcare system passed in 2010 to ensure that health programs like rehabilitation are accessible to everyone who needs them. The Affordable Care Act requires insurance providers and small companies to include mental health coverage in their benefits so that individuals with depression, anxiety, schizophrenia, bipolar disorder, post-traumatic stress disorder, and more mental illnesses can receive treatment at little or no cost to them.

This act also ensures that individuals cannot be dropped from their insurance plans due to having depression and cannot be charged more for their insurance plan because of their depression. But The Affordable Care Act isn’t the only healthcare program that helps people receive depression treatment. Medicare, for example, allows individuals to purchase medication for their depression at a lower cost.

Other Payment Options & Treatment Methods

If a person is not eligible for coverage under the Affordable Care Act or their insurance doesn’t cover depression treatment, there are other options to help them manage their depression at a rehabilitation facility without spending too much money out of pocket. First, they could apply for a loan to enroll in a program. These loans are designed for people who require care but are not able to pay for it right away. Also, many rehab facilities who offer depression treatment have payment plans available for patients who would prefer to pay in installments. There are many different ways to attend rehab for depression even if you think you can’t afford it at the moment.

Is Depression Rehab Right For You?

Only you, your doctor, and your therapist can decide if rehab for depression is the best choice for you. If you’re considering it, we encourage you to look into your options and discuss what you find with your doctor so you can get started with taking your next steps toward recovery. To learn more about rehab for depression and to see if your insurance may cover your treatment, contact our team of mental health treatment representatives by calling 267.209.7313.