Mental Health Coverage Under the ACA and the Growing Role of Telehealth

Mental Health Coverage Under the ACA and the Growing Role of Telehealth

At SentiumHealth, we believe mental health is just as vital as physical health. That belief is backed by the Affordable Care Act (ACA), which ensures that mental health services are covered as essential benefits in most health insurance plans. When paired with telehealth, access to mental health care has never been more convenient or inclusive.

What the ACA Says About Mental Health

The ACA requires all Marketplace (ACA-compliant) plans to cover mental health and substance use disorder services. This includes:

• Therapy and counseling (individual or group)

• Inpatient mental health treatment

• Substance use disorder services, including rehab and recovery support

Just as importantly, ACA plans must follow mental health parity rules. That means insurance companies can’t impose stricter limits or higher costs for mental health care than they do for physical health services.

Why Telehealth Matters

Telehealth has changed the way people access care—especially mental health care. Whether you’re dealing with stress, anxiety, depression, or other conditions, virtual appointments offer:

• Easy access from home, work, or on the go

• Increased privacy and reduced stigma

• Wider provider options, including specialists outside your local area

• Affordable care, often covered at the same rate as in-person visits

Many ACA health plans now include teletherapy, telepsychiatry, and virtual counseling as part of their standard benefits.

Does Your Plan Cover Telehealth?

Most modern ACA-compliant plans do. But the specifics can vary by carrier and state. Some plans require a referral, while others offer direct access to virtual mental health providers. At SentiumHealth, we make it simple to compare plans that cover:

• Live video therapy sessions

• Mental health apps connected to licensed professionals

• Telepsychiatry for medication management

• Crisis support lines and digital wellness tools

How SentiumHealth Can Help

Finding the right plan shouldn’t feel overwhelming—especially when your mental well-being is on the line. Our licensed advisors are here to help you:

• Understand your options under the ACA

• Compare mental health and telehealth benefits

• Enroll in a plan that fits your needs and budget

Ready to find a health plan that supports your mental health?At SentiumHealth, we make it easy to access coverage that works for your whole self—mind and body. Contact us today or explore your options through our online enrollment tools.

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