It’s easy to get overwhelmed when talking about benefits plans and coverage. Sometimes called “employer benefits,” “group benefits,” “health benefits,” or “health insurance,” these plans cover a variety of health services including mental health supports. Coverage can vary from plan to plan and some of the terminology in benefits plans can be confusing.
To help you better understand your benefits coverage for MindBeacon therapy, we’ve answered a few of the most common questions.
Do benefits plans cover MindBeacon therapy?
Nearly 70% of Canadians have some sort of health benefits coverage, with the majority provided by their employer. Most plans cover mental health services, including MindBeacon therapy. You’ll often find the coverage for these services in the Extended Health Care (EHC) part of your plan. This part of your benefits plan covers the additional health services that aren’t covered by the provincial government. If you don’t see a listing for EHC services, look for “Health Insurance,” “Health Benefits,” or a Health Spending Account (HSA)” or a “Healthcare Spending Account (HCSA).”.
I’m a student, am I still covered for MindBeacon therapy?
If you’re a student and your parents have a benefits plan, you are likely covered under their plan. If you’re not, many post-secondary schools offer health benefits coverage to their students. Ask your school for details.
How do I know what MindBeacon services are covered?
Every plan is different. Your “benefits booklet” (or benefits web portal) will specify which services are covered. You likely received this information soon after you enrolled in the plan, which is often three months after starting a job.
It’s important to note that the terminology in each plan may vary by province. Mental health services typically fall under the “Paramedical” heading. At MindBeacon, our therapists have a range of qualifications and designations, including social workers, psychologists and psychotherapists. Your benefits booklet or web portal will outline which type of services are covered. If you are not sure, your HR department should be able to answer any questions.
How much coverage do I have?
The typical range of coverage for mental health services in Canada is between $500 and $1,000 per year. In recent years, employers have been offering increased coverage for mental health services as they recognize the need for added support. Your coverage will be outlined in your benefits booklet or web portal.
Is there a maximum amount that’s covered for each service?
Some benefits plans will have a maximum amount they cover for a specific service (referred to as a “customary limit”). For example, some plans may cover up to $130 for a therapy session with a social worker.
We want MindBeacon therapy to be accessible, so we have structured our billing to fit within most insurance carriers’ customary limits.
What is a Health Spending Account and how does it work?
A Health Spending Account (HSA), sometimes called a Healthcare Spending Account (HCSA), is often part of a benefits plan. Think of it as a fund you can tap into (up to a maximum amount) that allows you to extend your coverage for the service(s) you need most. For example, you may have an HSA of $1,000, which means if you choose to spend it all on MindBeacon therapy, you can extend your coverage by $1,000 beyond the amount covered in the EHC part of your plan.
It’s important to note that you can usually spread your HSA amount over multiple services and typically, you are only required to show proof of payment to receive reimbursement. We suggest reaching out to your benefits provider or HR department for more information about your HSA and how to get reimbursed.
I don’t have benefits, what should I do now?
If you are a small business owner, a self-employed consultant or if you work for an employer that doesn’t offer benefits plans, you can purchase individual plans through providers such as SureHealth or CoverMe. These plans would cover MindBeacon therapy, along with many other health services you may need.
Why maximize your benefits for your mental health?
Your employer offers a benefits plan as part of your overall compensation. It is there so you can take care of your health and well-being, including your mental health. We know that 44% of Canadian workers say they have or have had mental health issues1 , and yet only 6% of Canadians use their mental health benefits.2
Be sure to take advantage of your health benefits and take care of your mental health. Remember, it’s just as important as your physical health.