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If your health plan covers medical and surgical services, the Affordable Care Act also requires coverage for medically necessary mental health services.
State and federal law protects your access to treatment for behavioral health issues.
If your health plan refuses to cover a service for mental health or substance use disorders, you can appeal the denial.
Find some additional resources that can help if you're experiencing a mental health issue or substance use disorder.
Several federal and state agencies oversee rules about equal coverage for mental health care. The agency in charge depends on the type of plan.
Find who to contact if you're appealing a decision from Medicare or another type of plan not subject to certain state and federal requirements.
Some treatments, such as experimental ones, are often denied by insurers. Learn about more common denials and find appeal letter templates you can use
If your health insurer won't pay for a treatment or a bill, you have options.
As a health care provider, you can help your patients access next-day appointments by contacting their insurance companies and making a referral.
Featured topics
Reproductive and birth control health rights
Washington state-regulated health plans must cover certain reproductive health services and birth control.
Women's health insurance rights
State law ensures access to women's health providers for maternity, reproductive, gynecological and preventive care, with many services at no extra cost.
Essential health benefits benchmark plan
We reviewed our state’s Essential Health Benefits (EHB) benchmark health plan to decide whether to ask the federal government for approval to update the plan.
Appealing a health insurance denial
When your health insurer says no to a treatment or a bill dispute, that doesn't have to be the final word. You have the right to appeal the decision.