How to Make the Most Out of Purchasing Insurance If You Have a Chronic Mental Health Condition
At Odinma Health, we believe mental health deserves the same level of strategic care as physical health—especially when it comes to insurance coverage. If you’re living with a chronic mental health condition like anxiety, depression, or bipolar disorder, navigating insurance can feel overwhelming. But with the right information, you can make insurance work for you, not against you.
1. Know What You Need Before You Shop
Start by making a list of your current needs. Do you take medications regularly? See a therapist or psychiatrist monthly? Use telehealth? Having a clear picture of your typical care will help you pick a plan that covers what matters most.
2. Look for Plans That Prioritize Mental Health
Not all insurance is created equal. Look for plans that offer:
Low copays for therapy and psychiatry visits
Comprehensive drug coverage, especially for psychiatric medications
Out-of-network benefits if you already have a provider you love
Telehealth access for flexibility and convenience
Pro tip: Many plans now include behavioral health services as part of essential health benefits under the ACA.
3. Understand the Costs Beyond the Premium
It’s easy to focus on monthly premiums, but don’t forget the fine print. Be mindful of:
Deductibles: How much you’ll pay out of pocket before coverage kicks in
Copays and coinsurance: What you pay per visit or service
Out-of-pocket max: The cap on what you’ll spend in a year—once you hit it, insurance covers 100%
If you have ongoing needs, a higher premium plan with lower deductibles might actually save you money in the long run.
4. Use Preventive Care to Your Advantage
Many insurance plans cover annual mental health screenings and preventive care for free. These are great opportunities to stay ahead of worsening symptoms and advocate for adjustments in your care plan.
5. Ask If Your Provider Is In-Network
Before you fall in love with a provider (hi 👋🏾 from Odinma Health), check to make sure they’re in your plan’s network. If not, ask if your plan offers out-of-network reimbursement or single-case agreements, which may allow you to keep seeing a preferred provider.
6. Take Advantage of Care Management Services
Some plans offer case management or care coordinators for people with chronic conditions. These programs can help you navigate claims, get referrals faster, and find resources to support your treatment.
7. Keep Good Records
Track all of your appointments, prescriptions, bills, and explanations of benefits (EOBs). If something gets denied, this documentation helps when filing appeals or reimbursement requests.
8. Don’t Be Afraid to Advocate for Yourself
Whether you’re choosing a plan or fighting for a covered service, your voice matters. Insurance companies can be slow—but persistence pays off. And if you need help? Ask your provider’s office or a licensed insurance navigator.
At Odinma Health, We’re Here to Support You
We know the emotional toll of managing a chronic condition. That’s why we work with you to find sustainable, holistic solutions—including making sure your insurance supports your long-term healing.
Still have questions about using insurance for mental health? We’re happy to guide you. Reach out anytime.
