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  • Writer's pictureLiz Khalighi

Use it before you lose it: The importance of utilizing insurance benefits for mental health therapy


In recent years, society has made significant strides in recognizing the importance of mental health and well-being. With this growing awareness, it is crucial to prioritize and utilize any of the resources available to us. For some, access to mental health services can be supported by employee insurance benefits and it becomes even more critical to take advantage of these provisions before they expire.


Addressing the Stigma:

Historically, mental health has been surrounded by stigma, making it difficult for individuals to seek help. However, by using insurance benefits for mental health therapy, you can overcome these barriers and gain access to professional support. Doing so demonstrates that mental health matters and that you prioritize your well-being.


Early Intervention and Prevention:

One of the most compelling reasons to use your insurance benefits for mental health therapy is the potential for early intervention and prevention. Addressing mental health concerns promptly can prevent them from escalating into more significant challenges down the line. By utilizing your benefits before they run out, you have an opportunity to engage in therapy early, potentially minimizing the long-term impact of mental health issues. It can also be highly protective to utilize therapy as a preventative measure or to maintain any gains main in previous interventions. Doing so during "downtime" periods of the year, such as Summertime can help to prevent issues from arising and allows for planning for challenging periods like the start of the school year or the darker fall and winter months.


Financial Accessibility:

Utilizing insurance benefits for mental health therapy can make these services more financially accessible. The cost of therapy sessions can be a significant deterrent for some individuals, but insurance coverage helps mitigate these expenses. By utilizing your benefits, you can access high-quality mental health services without bearing the entire financial burden, thereby eliminating a potential barrier to seeking help.


Maximizing Your Coverage:

Insurance benefits often have a set annual limit, including the number of therapy sessions covered. By using your benefits promptly, you ensure that you make the most of your coverage within the given time frame. This allows you to benefit from the full extent of your insurance provisions and ensure that you receive the support you need. For most school board employees in Ontario, insurance benefits "reset" in September. Utilizing your benefits during this crossover period can be an ideal time to explore any psycho-educational assessment, or therapy needs before your entitlement runs out. It is essential to be aware of the specific mental health coverage provided by your insurance plan and take advantage of the available benefits while they are accessible. In addition to understanding your entitlement amounts, it is important to be aware of any specific designation that your provider will cover for reimbursement. For example, some providers will provide reimbursement for services provided by Registered Psychotherapists and Registered Social Workers, some may only cover Registered Psychologists. We recommend verifying these details with your insurance provider before booking any appointments, just to be sure.


Regular therapy sessions provide consistency and allow for a more comprehensive exploration of your mental health concerns. By maximizing your coverage, you create a structured space to work through your challenges, set goals, and monitor progress. Moreover, it offers an opportunity to establish a therapeutic relationship with your mental health professional, fostering trust and creating a safe environment for personal growth.



Managing Work-Related Stress:

In today's fast-paced world, work-related stressors have become a significant concern for many individuals. Mental health therapy can provide invaluable support in managing stress and promoting overall well-being. By utilizing your insurance benefits for therapy, you can effectively address work-related stressors and enhance your mental resilience, leading to improved productivity and job satisfaction.


Nurturing Relationships:

Mental health challenges can take a toll on our relationships with family, friends, and colleagues. By using your insurance benefits for therapy, you can work towards improving these relationships and fostering healthier connections. Therapy can equip you with the tools to communicate effectively, manage conflict, and cultivate supportive networks, thereby enhancing your overall social well-being.



Taking care of your mental health can be a priority, and utilizing your insurance benefits for mental health therapy is a crucial step in this journey. By addressing mental health concerns promptly and accessing professional support, you can promote personal growth, improve overall well-being, and prevent issues from escalating. Additionally, by maximizing your coverage and utilizing the financial accessibility provided by insurance benefits, you can ensure that you receive the support you need without undue financial strain. Act now, before your benefits run out, and take the first step towards a healthier and happier life.





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