Imagine getting paid for a loss that is incurred by some uncertain events, sound weirdly interesting? That is what Insurance is. Insurance refers to protection from monetary loss. It is a form of risk management.
The same goes with Health too. Health insurance is a type of insurance that shelters the whole or a part of the risk of a person suffering medical expenses. It is a contract whereby the insurance company decides to undertake an assurance of compensation for medical expenses in case the insured falls ill or meets with an accident that leads to hospitalization of the insured. These expenses could be related to hospitalization costs, cost of medications, or doctor session fees.
Having health insurance is very useful and beneficial because medical care is expensive, especially in the private sector. At such times, health insurance proves to be a boon. Almost all hospital bills come under health insurance. So, there is less tension regarding the payment of bills. The hospital or the telehealth provider gets the insurance papers from the insurance company and then further it is all between the hospital and the insurance company. They deal according to the terms and conditions of the plan and settle the bills. Here the person who has the insurance cover relaxes as the claim process is between the providers.
In recent years, mental health has also become as important as physical health. Mental health includes the overall emotional, psychological, and social well-being of a person. It affects the thinking, feelings, and actions of a person. World Health Organization (WHO) defines mental health as a state of complete well-being in which a person realizes his or her abilities. Can cope with the normal stresses of life, can work efficiently and profitably, and can make a contribution to his or her community.
Since mental health has gained so much attention, we are witnessing a drastic shift in the same. Now along with physical health, mental health is also a part of telehealth insurance plans.
Mental health insurance covers
Mental health insurance covers any expenses suffered if anyone has to be hospitalized under in-patient care due to any mental illness. It includes diagnostics, medications, treatment costs, ambulance charges, etc.
Nowadays, there’s also a new term that came into focus and it is TELE MENTAL HEALTH. Tele mental health is the use of telephones or videoconferencing technology to provide mental health services. It is sometimes also called telepsychology or telepsychiatry.
This practice is becoming much common, especially as the result of the coronavirus (COVID-19) pandemic, still, there is a wide scope to understand when and how tele-mental health services can be helpful. This service is widely in use due to its convenience and the advancement in technology.
Mental health plans
There are many plans that suit the criteria. Telehealth providers, provide insurance claims for mental health as well. The plans are for all the problems related to mental health such as:
- Stress Management
- Grief and Loss
- Trauma & PTSD
- Relationship issues
- Panic disorders
Teledoc plans is one such company that provides tele-mental health services across the US. It focuses on providing consultancy and therapy through telephones, video conferences, face times, etc. Providing complete support for anxiety, depression, PTSD, panic disorder, grief, family & marital issues, and more.
Getting insurance plans for you and your family is the need of the hour. Knowing all the benefits and the coverage areas i.e. physical health to mental health, everything is considered and that will be very helpful in case of any medical emergencies.