Subsidies for Obamacare private insurance plans also are available, and people with an income below 250% of the poverty level - $34,000 for a single person and $69,375 for a family of four - benefit from caps on co-pays and deductibles. The Healthy Michigan program is available to adults age 19 to 64, and have an income under 138% of the federal poverty guidelines, or about $18,750 for a single person or $27,750 for a family of four. If you’re uninsured, see if you qualify for Healthy Michigan. Healthy Michigan also will cover transportation costs to and from appointments.Ģ. It’s worth noting that Medicaid covers mental-health services, and the co-pay for those on the Healthy Michigan plan is $2 to $4 per therapy visit. Even if you have a high deductible, the insurance plan will offer discounted rates for in-network mental-health providers. So if you have a low deductible and co-pays for doctor visits, the same would apply to counseling appointments. The Affordable Care Act requires private insurance plans to cover outpatient and inpatient mental-care services with the same co-pays and deductibles as other health care. 1 barrier to obtaining mental-health care, according to a 2018 federal survey of 5,000 Americans.īut instead of giving up, it’s important to explore your options - and there are a surprising number for people worried about the cost of mental-health services.ġ. So you feel depressed or anxious or stressed, and think mental-health counseling would help.īut you also have an insurance plan that requires you to spend hundreds or even thousands of dollars before coverage kicks in. Para leer este articulo en español dale click aqui. SWMJC is a group of 13 regional organizations, including Southwest Michigan's Second Wave, dedicated to strengthening local journalism. This story first appeared in the Apedition of MLive Kalamazoo. It is part of the Mental Wellness Project, a solutions-oriented journalism initiative covering regional mental health issues, created by the Southwest Michigan Journalism Collaborative.
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