That really depends on the type of insurance you have and what your benefits are.
Insurance typically covers individual therapy sessions, which are generally weekly. People usually have some type of inpatient coverage available to them as well.
It can be harder to get coverage when the services are for intensive therapy programs (either PHP or IOP). It can be even more difficult to get coverage for residential therapy because of the costs, it can cost between $20,000 and $40,000 per month for twenty-four-hour residential coverage for OCD. As with most insurance plans, there will probably be some out-of-pocket expenses, which could include deductibles or even full payment if your insurance coverage is denied.
The process of getting insurance to cover your treatment can be tricky, many things could cause or result in denial of coverage. First, if a company believes that your OCD is a preexisting condition from prior to when you joined them, they can deny coverage for the OCD treatment.
Second, they may limit the amount of coverage that you can use, opting for a less intensive form of treatment than what is being recommended. Third, if the hospital or clinic somehow makes a mistake on a bill, the company can deny coverage and bill you instead. You will then need to talk to the clinic’s billing department and get them to re-submit the bill correctly.
Also, there are often limits on mental health coverage in insurance plans, so check with your insurance company before starting any therapy to find out how much coverage you have (such as number of sessions covered, amount of deductibles, or amount of co-payments).
Needless to say, this can be a difficult process. Most treatment centers will take the time to assist you with getting coverage for your treatment, but that is a courtesy. The bottom line is that it is your responsibility to know what your coverage is.
A current focus in Congress is mental health parity, which means making a law that will require insurance carriers to have the same benefits available for everyone for both mental and physical health. Currently, physical health benefits are superior to benefits for mental health on most insurance programs.