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Texas Department of Insurance
Topics:   A B C D E F G H I J K L M N O P Q R S T U V W X Y Z All

October 2021

Trying to find mental health services? Help is available

Each year, nearly one in five adults experiences a mental health illness. But fewer than half get treatment. Knowing treatment options—including those available through your health plan—can help you or a loved one.

Most comprehensive health plans must cover mental health services—and with no lifetime caps on benefits. And plans that cover mental health services must provide the same level of benefits, such as copays or access to emergency care, as they do for a physical illness or injury. You also may benefit from mental health help lines, telemedicine care, and other valuable services.

If your request or claim for mental health services is denied, ask why. Your health plan will have a way for you to review and appeal denied claims. You can also request an external review by an independent third party—at no charge to you. The Texas Department of Insurance can show you how external reviews work.

TDI’s website provides even more information on mental health coverage, including links to hotlines and how to get help.

Have a question about insurance? Call the Texas Department of Insurance at 800-252-3439 or visit