Best insurance option for mental health coverage?

[Natethegreat]

I am looking into a full psychiatric evaluation for my 6 yr old son, as well as family counseling for all of us. My husband is self-employed and we have bluecross, but can change insurance pretty easily. Does anyone know the best company for covering the above mentioned??

 

[DaisyFace]

Nate--

Hello and welcome!

Sorry I don't have any recommendations for you....most of us have been stuck with whatever insurance our employer picks....

I just wanted to welcome you to the group!

 

[Ktllc]

We are self employed as well, but your options really depends on what state you live in.
If your gross income is below 200% of the poverty line (not the same amount $ depending on the States), your child could qualify for your State's health insurance. For example, where I live in NC: family of 5 is about $54,000/year. Everything would be covered and the copay ranges from $1 up to $5.
If state insurance is not an option, get some free quotes to see what is out there. You need a company that has an A rating. Do not settle for a B rating in order to save a couple dollars. Be aware of waiting period for treatment and any pre-existing condition policy.
Hopefully, more will come with more advise! Welcome!

 

[crazymama30]

I think it varies state by state. I would check with your insurance company, and then maybe check with a few others. I have a form of blue cross and I have great coverage, my mom has another form? And she is not covered so well.

 

[TerryJ2]

We've got Anthem and it has done well for us.