In many countries, including the United States, health insurance plans typically cover mental health services, including psychological problems. The level of coverage may vary depending on the specific insurance plan, but the Affordable Care Act (ACA) requires all health insurance plans to cover mental health and substance use disorder services as an essential health benefit.

In the US, health insurance plans are required to cover the following mental health services:

1. Behavioral health treatment, including counseling and psychotherapy

2. Mental and behavioral health inpatient services

3. Substance use disorder (drug and alcohol) treatment, including inpatient and outpatient services

4. Prescription drugs used to treat mental health conditions

It’s important to note that different insurance plans may have different co-pays, deductibles, and limits on the number of sessions or types of services that are covered. Clients should consult with their insurance provider to determine the specific coverage and benefits that are available under their plan. Additionally, some therapists and mental health providers may not be in-network for certain insurance plans, which could result in higher out-of-pocket costs for clients.