Does Insurance Cover Treatment for Depression?

Depression is more than just a bad mood. Disruptions in critical brain chemistry cause symptoms that, if not treated, can result in self-destructive behavior, substance abuse, addiction or suicide. Insurance companies and employers are well aware of the fact that addressing depression is more cost effective than letting it progress, and they usually cover treatment to some extent.

What Is Depression, and Why Does Insurance Often Cover Treatment?

Critical human functions and behaviors are driven by an intricate and fragile system of chemical messages and responses in the blood and brain. Imbalances in this system contribute to depression and may be caused by factors such as the following:

  • Biological predisposition
  • Substance abuse
  • Post traumatic stress
  • Traumatic experiences (the loss of a loved one or a job)
  • Poor nutrition
  • Hormone changes due to age or childbirth

Although persistent sadness is a common symptom of depression, there is much more to the disease than that. Most depressed people experience an inability to feel anything at all. This emotional numbness may drive them to use drugs or alcohol or to engage in self-destructive behaviors. The following symptoms are common with depression:

  • Detachment
  • Loss of interest in people or activities that were once important
  • Hopelessness
  • Anger management issues and rage
  • Frequent crying
  • Sleeping too much or too little
  • Over-eating or eating too little
  • Drug or alcohol abuse
  • Self-injury
  • Inability to focus attention
  • Forgetfulness
  • Apathy

Depression rarely cures itself. Recovery comes through careful treatment of the entire person.

What Does Depression Treatment Look Like?

Depression treatment can range from outpatient counseling to residential full-time recovery programs. Recovery plans are developed for individual patients based on their specific needs. Some of the most common and effective therapies include the following:

  • Dialectical behavioral therapy
  • Individual counseling
  • Education
  • Diagnosis of all co-occurring disorders
  • Introduction to healthy new coping skills and activities
  • Spiritual or emotional care
  • Medical treatment

Insurance Coverage for Depression Treatment

It is difficult to get a straight answer from an insurance company. In many cases coverage will be denied at first, even if the patient is entitled to it. While different policies cover different levels of treatment, most plans cover a certain number of therapy sessions, and others offer more comprehensive coverage for a variety of recovery options. Don’t take no for a final answer from your insurance company.

Find Insurance Coverage for Depression

Navigating the often byzantine rules and procedures of modern insurance companies can be overwhelming even to an emotionally healthy individual. Our counselors will determine your insurance coverage at no cost to you. Call our toll-free helpline any time of day or night for this valuable, free service. You deserve the kind of treatment that will help you put depression behind you. Call today.