With surprising frequency TherapySafetyNet receives inquiries from people who believe their insurance plan does not include coverage for mental health benefits and are turning to us for help in finding a therapist who will provide therapy at a fee they can afford. With very few exceptions, this belief is incorrect, and we try to refer insured people to a psychologist or social worker who accepts his or her insurance. Particularly since the Mental Health Parity and Addiction Equity Act went into effect this year, the vast majority insured individuals are now  required by law to have mental health benefits equal to their medical benefits in terms of copayments, limitations, and deductibles. This article in the Washington Post provides a concise description of benefits under the new law:

New health-care law improves coverage for mental illness.