More than 20% of Americans suffer from some type of mental disorder. Consequently, it is no surprise that many individuals are curious as to what mental health benefits are offered through their individual health insurance coverage. Unfortunately, this is a difficult question to answer since rules and regulations vary by state.

Although particular states may not mandate that individual insurance carriers offer mental health benefits, there are carriers and plans that will provide such coverage. To best determine what benefits are available in your area contact your insurance carrier or a licensed agent. These benefits may include copayments and first dollar coverage for inpatient and outpatient services.