Health Insurance

8 Mental Health Coverage All insurance policies sold in California are required to provide coverage for mental health and substance use disorder services. Health insurers must provide equal coverage for mental and physical health issues. For example, your insurer cannot charge you more for a visit to a mental health provider than they do for a visit to a similar physical health provider. Insurers cannot limit your number of visits or put other restrictions on mental health treatment that are greater than those for other medical benefits. As part of this requirement, insurers are required to cover Applied Behavioral Therapy for Autism Spectrum Disorder. If you have any questions about your mental health coverage, contact the Consumer Hotline at the Department of Insurance (1-800-927-4357) for assistance.