How to Pay for Mental Health Treatment in Kentucky

Treatment for mental health illness is not always covered by medical insurance. If your health insurance plan does not cover the cost for this type of treatment, there are other alternatives if you live in the state of Kentucky. In fact, many Kentucky providers offer sliding scale treatment plans that are based on income or payment assistance.

1. Contact the Kentucky mental health care provider than you plan to seek treatment from and inquire about which type of payment methods they accept. Most often providers will accept private health insurance, Medicare, Medicaid as well as military and state-issued medical insurance. There are also other options available to private pay patients seeking treatment but are in need of payment assistance.


2. Speak with your private health insurance provider to find out if mental health treatment is covered under your policy. The insurance company will be able to tell you exactly how many treatments are covered each calendar year, the exact amount of your co-pay and can provide you with a list of authorized providers in your network.


3. To reduce your out of pocket cost, apply for payment assistance. Utilize the Internet to find out the contact information of several mental health treatment facilities in your area. Once you speak with a member of their staff ask for information about their payment assistance program. Payment assistance programs are generally based on income. In the state of Kentucky, treatment centers based your portion of the cost on a sliding income scale.


4. Contact Kentucky Access to request information about finding a private insurance plan that covers mental health treatment. This organization was established in 2010 to help local low-income residents find sufficient medical coverage that would cover any pre-existing conditions that they have been diagnosed with.