Self-care, by yourself: Where to find

mental health resources during

isolation
by Hanna Horvath April 16th, 2020
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Social isolation can be lonely. And for those battling mental illness, it can
be especially challenging.

“In any crisis, the one thing professionals tell you to avoid is isolating,”
said Brad Klontz, financial psychologist and associate professor at
Creighton University. “Unfortunately, that isn’t a reality right now.”

The next few months may affect your mental health, said Klontz, but
there are ways to mitigate the stress.
Expert tips on combating isolation

If you’re feeling isolated, know that you aren’t alone. Almost every state
is practicing some form of social distancing, and millions of Americans
are “likely in the exact same position you are,” said Klontz.

“Everyone is in it together,” said Klontz. “You may find comfort in that.”

Remember that social isolation is temporary, and by staying home you’re

helping yourself and your community stay safe, said Paul Gionfriddo,
CEO of the nonprofit Mental Health America.

“Take it each day at a time,” said Gionfriddo.

Here are some simple ways to counter mental stress during this time:

 Take breaks: Avoid inundating yourself with coronavirus news,

which can exacerbate feelings of stress.
 Practice self-care: Go for walks outside, read a book or watch a
movie. Take a look at our list of free entertainment options.
 Connect with others: Schedule regular video chats with loved
ones. Seeing your family and friends, albeit virtually, is helpful
during this time, especially if you’re feeling the impact of isolation.

How health insurance covers mental health

Those experiencing mental distress may benefit from professional help,

said Klontz. Fortunately, insurance covers many mental health
resources.

Mental health treatment is typically covered by insurance plans. This

includes private plans, Medicaid and Medicare plans as well as plans sold
on the federal health exchange. Under the Affordable Care Act, mental
health and substance abuse treatment are considered essential health
benefits and must be covered by insurance.

This includes seeing a psychologist or receiving treatment for substance

abuse and rehabilitation. You may still have to pay a copay, and your
plan may also limit coverage for therapists to a certain number of visits
per year, said Klontz.

Check with your health insurer. Some insurers will have specific
information about how they cover mental health treatment during the
coronavirus crisis. Here’s how to save on mental health if insurance
won’t pay.

Is telehealth covered?

Insurers have dramatically expanded access to telehealth in response to

the pandemic, including virtual doctor’s visits, said Gionfriddo. Now,
most major insurers cover telehealth and telemedicine. Check with your
insurer to learn more.

“Patients have more telehealth and tele-mental health options than they
did even a couple weeks ago,” said Gionfriddo. “Even if you didn’t have
that option earlier, it’s worth calling and asking again.”

Check with your mental health provider to see if they offer virtual
appointments. For example, if you see a therapist, ask if they can meet
online or over the phone. The visit may be covered by insurance just as if
you went in.
Even if your insurer covers telehealth, it doesn’t mean it’s free. You may
still have a copay, coinsurance or deductible.

Learn more about how coronavirus affects telehealth.

What about my prescriptions?

Previously, health care providers had to conduct an in-person

exam before they could prescribe a controlled substance, which includes
some medications used to treat mental health conditions. However, the
Drug Enforcement Administration has temporarily lifted the in-person
requirement, making it easier for patients who need medication for
mental illness.

If you’re already prescribed medication, you may be able to get an

advance supply while you’re in isolation. Check with your doctor to learn
more.

What if I don’t have health insurance?

It’s more important than ever to have health coverage. Those who don’t
will have to cover the entire cost of mental health treatment themselves.
Employees who have recently been laid off can pay to stay on their
employer’s health insurance plan for up to 18 months, through
the COBRA health insurance law. Other options include joining a spouse
or family member’s employer-sponsored plan, shopping on the federal
marketplace or applying for Medicaid. Check out our coronavirus
unemployment guide to learn more.

 Everything you need to know about health insurance and

coronavirus.
  See if you qualify for Medicaid in your state.
 Compare federal health insurance plans.

Mental health resources

Here are some additional resources:

 Read this comprehensive guide by the National Alliance of Mental

Illness
 This health startup is offering free digital mental check-ins and
group therapy events
 Helpful parenting resources to help kids navigate the coronavirus
crisis