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Fortunately, between state laws and a better understanding of mental health, insurance companies have been put in a position to offer this coverage to their customers as part of their included insurance coverage. With some health insurance plants the coverage is automatically included, but other plans will require separate enrollment and payment of premiums to provide mental health coverage. For people who need mental health care, insurance is often an afterthought. Until recently, it was difficult to even find insurance providers who were willing to give people the coverage that they needed when it came to healthcare issues of the mind.