An estimated one in five American adults—about 4.2 percent of the adult workforce—suffers from a mental illness. As an employee, you can use your mental health benefits to improve your life. 
Several laws protect employees with mental health challenges.
Know the law
- The Affordable Care Act requires marketplace, private and individual medical plans to offer minimum mental health screenings, preventive care and substance use services; your employer’s plans may be required to include these benefits.
- Group benefit plans may not deny coverage to anyone with a history of mental illness, so having a diagnosis such as depression, bipolar disorder or substance use disorder should not bar you from coverage.
- You are entitled to confidential care from mental health providers and from your employer; seeking help should not lead to retaliation or punishment.
Use your mental health benefits
In many cases, your mental health benefits include therapy, psychiatric care, medication, and inpatient or outpatient treatment for mental health and substance use disorders. Use your benefits rather than delaying care; early treatment can reduce the need for more intensive services later.
If you need help finding a provider or understanding covered services, review resources for Counseling and Mental Health Insurance to learn what types of counseling and coverage may be available under your plan.
Take medications as prescribed
If a mental health provider prescribes medication, take it as directed and talk with your clinician about side effects or concerns. Your plan may allow generic options or mail-order fulfillment to lower out‑of‑pocket costs.
Participate in the Employee Assistance Program
Many employers offer an employee assistance program (EAP). An EAP gives you confidential access to a professional who can listen to concerns and direct you to counseling or treatment resources, and it can be a first step if you’re unsure where to turn.
Contact your insurance concierge
Some insurers provide a concierge or care-navigation service that connects employees with local therapists, clinics and treatment centers. Your insurer can help you locate in-network resources, such as those listed under Mental Health Clinics Insurance, and explain coverage details.
If cost or stigma is a concern, remember that early intervention can improve overall health and quality of life and may reduce longer-term costs related to missed work or hospitalization.
The mental health benefits in your employee package can help you succeed at work and in life. Use your benefits efficiently and reach out for help when you need it.
Frequently Asked Questions
Are mental health benefits confidential?
Yes; mental health treatment is protected by confidentiality rules, and employers generally cannot disclose your medical information without consent.
What if my plan denies coverage for a treatment?
You have the right to appeal coverage denials through your insurer and to ask your employer’s benefits administrator for assistance with the appeals process.
How can I find a therapist who accepts my insurance?
Contact your insurer’s provider directory or concierge service, use your EAP for referrals, or ask your primary care clinician for in-network recommendations.