Mental Health Support: Your Guide to Government Programs and Benefits

Last updated 3 months ago. Our resources are updated regularly but please keep in mind that links, programs, policies, and contact information do change.

Mental health affects one in five American adults, and that number likely increased during the pandemic. If you’re struggling with depression, anxiety, PTSD, or other mental health conditions, you’re not alone. The good news? Treatment works, and help is available.

This guide breaks down the major government programs designed to support people with mental health conditions. From financial assistance to healthcare coverage to housing support, we’ll walk you through what’s available and how to access it.

Understanding Mental Health: You’re Not Alone

Mental health conditions come in many forms. You might experience persistent sadness, overwhelming anxiety, mood swings, hallucinations, sleep problems, or chronic low energy. These symptoms can affect your thinking, relationships, work, and daily life.

The important thing to know: mental health conditions are medical conditions, just like diabetes or heart disease. They’re common, treatable, and nothing to be ashamed of. About 50 million adults in the U.S. experience mental illness each year.

Common Mental Health Conditions:

• Depression and bipolar disorder
• Anxiety disorders and panic attacks
• Post-traumatic stress disorder (PTSD)
• Schizophrenia and psychotic disorders
• Obsessive-compulsive disorder (OCD)
• Eating disorders
• Substance use disorders (often alongside mental health conditions)

Getting help early usually leads to better outcomes. Many people avoid treatment due to stigma or fear, but seeking help is a sign of strength, not weakness.

Key Government Agencies: Who Does What

SAMHSA: Your First Stop for Information

The Substance Abuse and Mental Health Services Administration leads national efforts to improve behavioral health. Think of SAMHSA as your one-stop shop for mental health resources.

Key SAMHSA Resources:

• National Helpline: Call 1-800-662-HELP (4357) for free, 24/7 treatment referrals and information in English and Spanish
• FindTreatment.gov: Search for mental health providers and facilities nationwide
• 988 Suicide & Crisis Lifeline: Call or text 988 for immediate crisis support

SAMHSA also funds local services through block grants to states. These grants help pay for treatment when people don’t have insurance or when insurance doesn’t cover everything needed.

How SAMHSA Helps Locally:

Block grants provide flexible funding that states use to fill gaps in mental health services. This money often pays for:

• Treatment for uninsured individuals
• Services not covered by insurance
• Crisis intervention programs
• Housing support programs
• Peer recovery services

States must apply annually for these grants and show how they’ll use the money to help people in need.

Social Security Administration: Financial Support When You Can’t Work

The Social Security Administration runs disability programs that can provide monthly income if your mental health condition prevents you from working.

Two Main Programs:

• Social Security Disability Insurance (SSDI): For people who’ve worked and paid Social Security taxes
• Supplemental Security Income (SSI): For people with limited income and resources, regardless of work history

Apply online at ssa.gov/disability or call 1-800-772-1213. The process can be complex, so consider using SAMHSA’s Disability Starter Kits to prepare.

Understanding the SSA Review Process:

The SSA looks at your case using specific medical criteria called the “Blue Book.” For mental health conditions, they evaluate:

• Your formal diagnosis
• How severe your symptoms are
• How long you’ve had the condition
• Your treatment history and response
• How the condition affects your daily life and work ability

The process typically takes 3-6 months, sometimes longer. Many people are denied initially but succeed on appeal.

Centers for Medicare & Medicaid Services: Health Insurance Coverage

CMS manages the largest health insurance programs in America, all of which cover mental health services:

• Medicaid: The single largest payer for mental health services in the U.S., covering low-income individuals and families
• Medicare: Federal insurance for people 65+ and those with disabilities
• CHIP: Low-cost coverage for children whose families earn too much for Medicaid but can’t afford private insurance

How CMS Programs Differ:

Medicaid varies by state because states have flexibility in how they design their programs. Some states have expanded Medicaid under the Affordable Care Act to cover more adults, while others haven’t.

Medicare is the same nationwide but has different parts:

• Part A covers hospital stays
• Part B covers outpatient care
• Part C (Medicare Advantage) combines A and B through private insurers
• Part D covers prescription drugs

CHIP programs must cover comprehensive behavioral health services for children, including screening, diagnosis, and treatment.

Veterans Affairs: Specialized Care for Service Members

The VA provides comprehensive mental health services to eligible veterans. Services include therapy, medication management, inpatient care, and specialized programs for PTSD and Military Sexual Trauma.

Veterans Crisis Line: Call 988, then press 1 or text 838255

Unique VA Mental Health Services:

The VA offers specialized programs you won’t find elsewhere:

• Intensive PTSD treatment programs
• Military Sexual Trauma (MST) services
• Combat stress recovery programs
• Family therapy for veteran families
• Vocational rehabilitation specifically for veterans

Veterans can access these services even if they’re not eligible for other VA benefits in some cases, particularly for MST-related care.

Department of Health & Human Services: Research and Oversight

HHS oversees many of the agencies mentioned above and funds critical research through:

• National Institute of Mental Health (NIMH): Leading federal research on mental disorders
• National Institute on Drug Abuse (NIDA): Research on addiction and co-occurring disorders
• National Institute on Alcohol Abuse and Alcoholism (NIAAA): Research on alcohol use disorders

The Role of Research in Your Care:

Research funded by these institutes leads to new treatments and better understanding of mental health conditions. Clinical trials testing new therapies are often available to people who haven’t responded to standard treatments.

NIMH also develops treatment guidelines that help doctors provide the most effective care based on scientific evidence.

Financial Support: When Mental Health Affects Your Ability to Work

Disability Benefits: SSDI vs. SSI

Both programs provide monthly income, but eligibility differs:

What Mental Health Conditions Qualify?

To qualify for either program, you need:

• A formal diagnosis from a psychiatrist or psychologist
• Medical evidence showing the condition prevents substantial work for at least 12 months
• Documentation of symptoms and treatment history
• Proof of how the condition affects daily activities

Common qualifying conditions include:

• Severe depression or bipolar disorder
• Disabling anxiety or panic disorders
• Schizophrenia or other psychotic disorders
• PTSD with severe functional limitations
• Autism spectrum disorders (when they prevent work)
• Severe personality disorders
• Cognitive disorders like dementia

The Application Process

Applying for disability benefits requires extensive medical documentation. Gather:

• Complete medical records from all treating doctors
• Medication lists with dosages and side effects
• Treatment history and response to therapy
• Statements from family/friends about your limitations
• Work history and how symptoms affected job performance
• Hospitalizations or crisis interventions
• Therapy notes and psychological testing results

Many initial applications are denied, so don’t give up. Consider getting help from a disability advocate or attorney if your claim is rejected.

What Happens After Approval?

If approved for SSDI, you’ll receive:

• Monthly payments based on your work history
• Medicare coverage after 24 months
• Possible back pay from when your disability began
• Annual cost-of-living adjustments

If approved for SSI, you’ll receive:

• Monthly payments up to the federal maximum
• Immediate Medicaid coverage in most states
• Possible state supplemental payments
• Protection of benefits during brief work attempts

The SSA reviews mental health cases regularly (often yearly) because symptoms can improve with treatment. Keep detailed medical records to show ongoing need for benefits.

Special Situations:

• Emergency Assistance: In dire situations, SSI may provide emergency payments
• Childhood Disability: Children can receive SSI benefits for severe mental health conditions
• Student Benefits: Some disability benefits continue for students under 22
• Work Incentives: Programs like Ticket to Work let you try working while keeping benefits

Healthcare Coverage: Getting Treatment Without Breaking the Bank

Medicaid: The Mental Health Safety Net

Medicaid covers mental health services for over 70 million Americans. As the largest payer for mental health care, it’s crucial for people with limited income.

What’s Covered:

• Psychotherapy and counseling
• Psychiatric medications
• Inpatient and outpatient hospital care
• Crisis intervention
• Peer support services
• Case management
• Rehabilitation services
• Family therapy (when medically necessary)

How to Apply:

• Apply through Healthcare.gov
• Contact your state Medicaid office directly
• If you get SSI, you automatically qualify in most states

State Variations in Medicaid:

Each state designs its own Medicaid program within federal guidelines, so coverage varies:

• Expansion States: Cover adults up to 138% of poverty level
• Non-Expansion States: Only cover certain groups (pregnant women, children, elderly, disabled)
• Managed Care: Many states use private companies to manage Medicaid benefits
• Fee-for-Service: Some states pay providers directly

Medicaid for Children:

Children on Medicaid get comprehensive coverage through Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) benefits. This includes:

• Regular mental health screenings
• Any medically necessary mental health treatment
• Services in schools when appropriate
• Wraparound services for children with serious conditions

Medicare: Mental Health Coverage for Seniors and Disabled

Medicare covers mental health services through multiple parts:

• Part A: Inpatient psychiatric care (190-day lifetime limit for psychiatric hospitals)
• Part B: Outpatient therapy, medication management, crisis care
• Part D: Prescription psychiatric medications

Medicare covers 80% of approved mental health services after you meet the deductible.

Medicare Mental Health Benefits in Detail:

Part A Coverage:

• Inpatient mental health care in general hospitals (no limit)
• Inpatient care in psychiatric hospitals (190-day lifetime limit)
• Skilled nursing facility care for mental health conditions

Part B Coverage:

• Individual and group psychotherapy
• Family counseling when it helps your treatment
• Psychiatric evaluation and medication management
• Intensive outpatient programs
• Partial hospitalization services
• Annual depression screening
• Mental health services from qualified providers

Part D Coverage:

• Antidepressants, antipsychotics, mood stabilizers
• Coverage varies by plan
• Generic versions usually cost less

Medicare Advantage (Part C):

• Private insurance plans that include A, B, and usually D
• May offer extra mental health benefits
• Often include provider networks

Mental Health Parity: Equal Coverage Required

The Mental Health Parity and Addiction Equity Act requires most health plans to cover mental health the same way they cover physical health. This means:

• Copays can’t be higher for mental health visits
• Limits on therapy sessions must match limits on other medical care
• Prior authorization rules must be equally strict
• Network adequacy must be comparable

Understanding Your Parity Rights:

Parity applies to:

• Financial requirements (deductibles, copays, out-of-pocket maximums)
• Treatment limitations (visit limits, prior authorization)
• Network adequacy (enough mental health providers)
• Medical management (utilization review, case management)

Common Parity Violations:

• Higher copays for therapy vs. medical visits
• More restrictive prior authorization for mental health
• Inadequate provider networks for mental health
• Different standards for determining medical necessity

If your insurance denies mental health coverage unfairly, you can:

• Appeal through your insurance company
• File a complaint with your state insurance commissioner
• Contact the Department of Labor (for employer plans)
• Get help from a consumer advocacy organization

Private Insurance and the Affordable Care Act

The Affordable Care Act requires most private insurance plans to cover mental health as an essential benefit. This includes:

• Individual and group therapy
• Inpatient and outpatient treatment
• Substance abuse treatment
• Prescription medications

Marketplace Plans:

Plans sold on Health Insurance Marketplaces must:

• Cover mental health and substance abuse treatment
• Follow parity rules
• Provide preventive mental health services at no cost
• Offer affordable options based on income

Understanding Insurance Terms:

• Deductible: Amount you pay before insurance kicks in
• Copay: Fixed amount you pay per visit
• Coinsurance: Percentage of costs you pay after deductible
• Out-of-pocket maximum: Most you’ll pay in a year
• Network: Providers your insurance covers

Essential Needs: Housing and Food Support

Mental health and basic needs are interconnected. Housing instability and food insecurity can worsen mental health conditions, while mental illness can make it harder to maintain housing and employment.

Housing Assistance

HUD Programs:

• Section 8 Housing Choice Vouchers: Help pay rent in private housing
• Section 811: Supportive housing specifically for people with disabilities
• Continuum of Care: Local networks coordinating homeless services
• Public Housing: Government-owned housing for low-income families

Finding Housing Help:

• Contact your local Public Housing Authority
• Call 2-1-1 for local resources
• Check the HUD Resource Locator
• Visit HUD.gov/findshelter

Housing First Approach

Many communities now use “Housing First” strategies that provide permanent housing without requiring sobriety or treatment compliance first. Research shows this approach is more effective for people with mental illness who are experiencing homelessness.

Key Housing Programs for Mental Health:

Section 8 Housing Choice Vouchers:

• Pay 30% of income for rent; voucher covers the rest
• Can use in any qualifying private rental property
• Waiting lists often long; apply early
• Priority given to veterans, elderly, and disabled

Section 811 Supportive Housing:

• Rental assistance with built-in support services
• Specifically for very low-income adults with disabilities
• Includes case management and mental health services
• Limited availability; state-administered

Supportive Housing Programs:

• Combine affordable housing with services
• On-site or off-site mental health support
• Help with medication management, life skills
• Evidence-based model that works

Housing for Veterans:

• HUD-VASH vouchers combine housing with VA services
• VA Supportive Housing (VASH) program
• Domiciliary care for homeless veterans
• Transitional housing programs

Emergency Housing Resources:

When you need immediate shelter:

• Contact your local homeless services agency
• Call 2-1-1 for shelter listings
• Visit local churches, community centers
• Look for warming/cooling centers in extreme weather
• Use apps like “Find Shelter” for real-time availability

Food Assistance

SNAP (Food Stamps)

The Supplemental Nutrition Assistance Program provides monthly benefits for groceries. People with mental health conditions that prevent work may be exempt from work requirements.

SNAP Eligibility for Mental Health:

General rules require able-bodied adults to work 20 hours/week, but exemptions include:

• Unable to work due to physical or mental limitation
• Caring for someone with disability
• Participating in treatment programs
• Pregnant or caring for young children

How to Apply for SNAP:

• Apply online through your state’s website
• Visit local SNAP office
• Call your state’s SNAP hotline
• Get help from community organizations

SNAP Benefits:

Benefits vary by household size and income:

• Average benefit: $181/month per person
• Loaded on EBT card monthly
• Can buy most foods, not prepared meals
• Accepted at most grocery stores, farmers markets

Other Food Resources:

• Feeding America: Locate local food banks
• The Salvation Army: Food pantries nationwide
• WIC: Supplemental nutrition for women, infants, and children
• School meal programs for children
• Senior food programs (60+)

Emergency Food Assistance Program (TEFAP):

• Federal program providing free commodities
• Distributed through food pantries
• No eligibility requirements
• Includes fresh produce when available

Food and Mental Health Connection:

Proper nutrition affects mental health:

• Omega-3 fatty acids may help depression
• B vitamins support brain function
• Regular meals stabilize mood
• Food insecurity increases anxiety and depression risk

SAMHSA’s “Food and Mood” project explores these connections and promotes emotional wellness through nutrition.

Employment Support: Getting Back to Work

Work can be an important part of recovery, providing structure, income, and social connection. Several programs help people with mental health conditions find and keep jobs.

Vocational Rehabilitation

Every state offers Vocational Rehabilitation (VR) services for people whose disabilities create barriers to employment. VR provides:

• Career counseling and assessment
• Job training and education assistance
• Job placement services
• Workplace accommodations
• Supported employment programs
• Assistive technology
• Transportation assistance

People receiving SSDI or SSI automatically qualify for VR services. Contact your state VR agency to apply.

The VR Process:

1. Application: Complete intake interview
2. Eligibility Determination: Confirm disability and need for services
3. Assessment: Evaluate strengths, interests, abilities
4. Planning: Develop individualized plan for employment
5. Services: Receive training, support, accommodations
6. Job Placement: Find suitable employment
7. Follow-up: Check progress for 90 days post-placement

VR Services for Mental Health:

• Psychological evaluations
• Stress management training
• Social skills development
• Job coaching and support
• Mental health counseling
• Medication management support
• Workplace accommodation consulting

Supported Employment

Supported employment helps people with severe mental illness work in regular jobs with ongoing support. This evidence-based approach includes:

• Individual job development
• Rapid job search and placement
• Ongoing support after hiring
• Integration with mental health treatment
• Focus on client preferences

Individual Placement and Support (IPS):

• Most researched supported employment model
• Places people in jobs quickly, then provides support
• Higher success rates than traditional approaches
• Available in many community mental health centers

Ticket to Work

If you receive disability benefits but want to try working, the Ticket to Work program lets you test your ability to work while keeping your benefits and healthcare coverage for a period.

Ticket to Work Benefits:

• Keep Medicare/Medicaid while working
• Try working without losing benefits immediately
• Get help from Employment Networks or VR agencies
• Protection from medical reviews while using ticket

Work Incentives:

The SSA offers several programs to encourage work:

For SSDI Recipients:

• Trial Work Period: 9 months to test work ability
• Extended Period of Eligibility: 36 months of expedited reinstatement
• Medicare continuation for up to 93 months

For SSI Recipients:

• Student Earned Income Exclusion
• Plan to Achieve Self-Support (PASS)
• Impairment-Related Work Expenses
• Blind Work Incentives

Workplace Rights

Americans with Disabilities Act (ADA)

The ADA protects people with mental health conditions from job discrimination and requires employers to provide reasonable accommodations. Examples include:

• Flexible work schedules for therapy appointments
• Modified break schedules to manage medication
• Quiet workspace to reduce stress
• Permission to work from home occasionally
• Modified supervisory style
• Additional training time
• Job restructuring

Requesting Accommodations:

1. Tell your employer you need accommodation due to medical condition
2. You don’t have to mention specific diagnosis
3. Employer may request medical documentation
4. Work together to find effective accommodation
5. Employer must provide accommodation unless it’s undue hardship

Common Mental Health Accommodations:

• Flexible schedule for treatment appointments
• Work from home when needed
• Quiet, private workspace
• Modified communication methods
• Regular check-ins with supervisor
• Clear, written instructions
• Reduced noise/distractions
• Extra time for complex tasks
• Job sharing arrangements

Family and Medical Leave Act (FMLA)

The FMLA provides up to 12 weeks of unpaid, job-protected leave for serious health conditions, including mental health crises.

FMLA Requirements:

• Work for covered employer (50+ employees)
• Work 1,250 hours in past year
• Been employed 12 months
• Serious health condition requiring treatment

Using FMLA for Mental Health:

• Inpatient treatment for mental health
• Continuing treatment for chronic mental condition
• Intermittent leave for therapy appointments
• Care for family member with mental illness

Finding Treatment: Where to Start

Types of Mental Health Care

Outpatient Services:

• Individual therapy (CBT, DBT, other approaches)
• Group therapy
• Medication management
• Intensive outpatient programs (IOPs)
• Partial hospitalization programs (PHPs)
• Case management
• Peer support services

Inpatient Care:

• Emergency psychiatric evaluation
• Short-term psychiatric hospitalization
• Residential treatment facilities
• Crisis respite centers
• Long-term care facilities

Specialized Treatments:

• Electroconvulsive therapy (ECT)
• Transcranial magnetic stimulation (TMS)
• Ketamine therapy
• Eye Movement Desensitization and Reprocessing (EMDR)

How to Find Services

National Helplines:

Online Treatment Locators:

• SAMHSA’s FindTreatment.gov: Search by location, insurance, specialty
• Psychology Today: Find therapists and psychiatrists
• Your insurance company’s provider directory
• Open Path Collective: Affordable therapy options

Community Mental Health Centers

Community Mental Health Centers offer sliding-scale fees based on income. They’re often the best option for people without insurance or with limited coverage.

What CMHCs Provide:

• Crisis intervention services
• Individual and group therapy
• Medication management
• Case management
• Peer support programs
• Family education
• Vocational services
• Housing assistance

Types of Mental Health Professionals

Psychiatrists:

• Medical doctors specializing in mental health
• Can prescribe medications
• Often focus on medication management
• Most expensive but covered by insurance

Psychologists:

• Doctoral-level mental health professionals
• Provide therapy and psychological testing
• Cannot prescribe medications (except in some states)
• Often specialize in specific approaches (CBT, EMDR, etc.)

Licensed Clinical Social Workers (LCSWs):

• Master’s-level clinicians
• Provide therapy and case management
• Often work in community mental health
• Generally cost less than psychologists

Licensed Professional Counselors (LPCs):

• Master’s-level therapists
• Provide individual, group, and family therapy
• Wide range of specialties
• Often most accessible option

Psychiatric Nurse Practitioners:

• Advanced practice nurses
• Can diagnose and prescribe medications
• Often provide both therapy and medication management
• Growing field with good availability

Peer Support Specialists:

• People with lived experience of mental illness
• Provide support based on shared experience
• Help navigate services and recovery
• Often work in teams with other professionals

Choosing the Right Treatment

Consider These Factors:

• Your specific diagnosis and symptoms
• Your preferences for therapy style
• Whether you need medication
• Your insurance coverage
• Location and scheduling needs
• Cultural competency requirements

First Appointment Tips:

• Bring list of medications and medical history
• Write down your main concerns
• Be honest about symptoms
• Ask about their experience with your condition
• Discuss treatment goals
• Ask about fees and insurance

Peer Support: Learning from Others with Lived Experience

Peer support involves people with mental health conditions helping each other based on shared experiences. Research shows peer support improves recovery outcomes and reduces hospitalization.

Where to Find Peer Support:

• NAMI support groups
• Depression and Bipolar Support Alliance (DBSA)
• Mental Health America affiliates
• Local community mental health centers
• Online support communities
• Clubhouse programs
• WRAP (Wellness Recovery Action Plan) groups

Benefits of Peer Support:

• Reduced isolation and loneliness
• Hope and inspiration from others in recovery
• Practical tips for managing symptoms
• Help navigating services and systems
• Mutual support and accountability
• Reduced stigma and shame

Types of Peer Support:

• Peer support groups
• One-on-one peer mentoring
• Peer-run organizations
• Warm lines (peer telephone support)
• Online peer communities
• Peer specialists in treatment teams

Specialized Programs for Different Groups

Children and Teens

Mental health problems often start in childhood or adolescence. Early intervention can prevent more serious problems later.

SAMHSA Youth Programs:

• Project LAUNCH: Early childhood mental health (birth to age 8)
• Project AWARE: School-based mental health programs
• Infant and Early Childhood Mental Health Grant Program
• Youth Mental Health First Aid training

NIMH Research on Youth:

• Child and Adolescent Mental Health
• Clinical trials for young people
• Educational resources for families
• Information on specific conditions affecting youth

School-Based Mental Health:

• IEPs and 504 plans for students with mental health needs
• School counselors and psychologists
• Crisis intervention in schools
• Mental health education and awareness programs

Crisis Resources for Youth:

• The Trevor Project: Crisis support for LGBTQ youth
• National Runaway Safeline: 1-800-RUNAWAY
• Crisis Text Line: Text HOME to 741741
• Teen Line: 1-800-852-8336

Special Considerations for Youth:

• Parental involvement in treatment
• Different medications and dosages for children
• School accommodations may be needed
• Family therapy often recommended
• Transition planning for aging out of youth services

Older Adults

Mental health conditions aren’t a normal part of aging. Depression, anxiety, and other conditions are treatable in older adults.

SAMHSA Resources for Older Adults:

• Psychosocial interventions for seniors with serious mental illness
• Substance use treatment adapted for older adults
• Suicide prevention in senior living communities
• Training for providers serving older adults

NIA (National Institute on Aging):

• Mental and Emotional Health resources
• Information on depression, anxiety, grief
• Brain health and cognitive aging
• Research on aging and mental health

Common Issues in Older Adults:

• Depression after loss of spouse/friends
• Anxiety about health and independence
• Cognitive changes and dementia
• Medication interactions and side effects
• Social isolation and loneliness

Services for Older Adults:

• Geriatric psychiatrists and psychologists
• Day programs and senior centers
• Home-based mental health services
• Caregiver support programs
• Elder abuse and neglect services

People Experiencing Homelessness

Homelessness and mental illness often intersect. About 25% of homeless individuals have serious mental illness.

SAMHSA Programs:

• PATH: Services for homeless individuals with serious mental illness
• SOAR: Help applying for disability benefits
• Treatment for Individuals Experiencing Homelessness (TIEH)
• Grants for the Benefit of Homeless Individuals (GBHI)

HUD-VA Supportive Housing (HUD-VASH):

• Rental assistance for homeless veterans
• Case management services through VA
• Prioritizes chronically homeless veterans
• Permanent supportive housing model

Health Care for the Homeless:

• Federally Qualified Health Centers serving homeless populations
• Mobile health clinics
• Integrated medical and mental health care
• Trauma-informed care approaches

Accessing Services:

• Contact local Continuum of Care
• Call 2-1-1 for immediate shelter and services
• Visit local drop-in centers
• Connect with outreach teams
• Use coordinated entry systems

Veterans and Military Families

Veterans face unique mental health challenges related to service, including PTSD, depression, and readjustment difficulties.

VA Mental Health Services:

• Trauma-focused psychotherapy
• Medication management
• Intensive outpatient programs
• Residential treatment programs
• Vet Centers for readjustment counseling

Specialized Programs:

• PTSD treatment programs
• Military Sexual Trauma (MST) services
• Substance use disorder treatment
• TBI (traumatic brain injury) services
• Family counseling programs

For Family Members:

• Family support groups
• Couples therapy
• Children’s services
• Caregiver support
• Educational programs about military culture

Non-VA Resources for Veterans:

• Vets4Warriors: 1-855-838-8255
• Team Red White and Blue
• Iraq and Afghanistan Veterans of America
• Local veteran service organizations

Women and Maternal Mental Health

Women face specific mental health challenges including postpartum depression, anxiety disorders, and trauma.

Specialized Services:

• Perinatal mental health programs
• Women-only support groups
• Trauma-informed care for survivors of violence
• Reproductive mental health services

National Maternal Mental Health Hotline:

• Phone: 1-833-9-HELP4MOMS (1-833-943-5746)
• Text “HELP” to 1-833-9-HELP4MOMS
• Available 24/7 in English and Spanish
• Chat support at mchb.hrsa.gov/maternal-mental-health-hotline

Postpartum Support International:

• Support groups for new mothers
• Online resources and chat help
• Provider directory
• Training for healthcare professionals

LGBTQ+ Individuals

LGBTQ+ people face higher rates of mental health conditions due to discrimination, rejection, and minority stress.

Specialized Resources:

• The Trevor Project: Support for LGBTQ youth
• Trans Lifeline: 877-565-8860
• LGBT-affirming therapist directories
• Support groups for LGBTQ+ individuals

Important Considerations:

• Finding culturally competent providers
• Addressing minority stress and trauma
• Support for transition-related care
• Family and relationship counseling
• Substance use treatment

Legal Protections: Know Your Rights

Americans with Disabilities Act (ADA)

The ADA prevents discrimination against people with mental health conditions in:

• Employment
• Public accommodations (stores, restaurants, hotels)
• State and local government services
• Transportation

Key ADA Protections:

Employment (Title I):

• Can’t discriminate in hiring, firing, promotion
• Must provide reasonable accommodations
• Can’t ask about disabilities before job offer
• Medical information must be confidential

Public Accommodations (Title III):

• Equal access to businesses open to public
• Reasonable modifications to policies
• Effective communication
• Removal of barriers when readily achievable

Government Services (Title II):

• Equal access to government programs
• Reasonable modifications to policies
• Most integrated setting appropriate
• Effective communication

Filing ADA Complaints:

• EEOC for employment discrimination
• Department of Justice for public accommodations
• Federal agencies for their programs
• State and local civil rights offices

Mental Health Parity

Insurance companies can’t discriminate against mental health coverage. If your plan covers medical care, it must provide equivalent coverage for mental health and substance use treatment.

Parity Requirements:

• Financial requirements (copays, deductibles)
• Treatment limitations (visit limits)
• Medical management (prior authorization)
• Network adequacy

Enforcement Agencies:

• Department of Labor (employer plans)
• Centers for Medicare & Medicaid Services
• State insurance commissioners
• Department of Health and Human Services

Family and Medical Leave Act (FMLA)

Eligible employees can take up to 12 weeks of unpaid leave for mental health treatment without losing their job.

FMLA Protections:

• Job restoration after leave
• Continued health insurance
• Protection from retaliation
• Reduced leave schedule options

Using FMLA:

• Notify employer 30 days in advance when possible
• Provide medical certification
• Keep employer informed of status
• Follow company procedures

Confidentiality and Privacy

HIPAA Privacy Rule:

• Protects medical records including mental health
• Limits who can access your information
• Gives you rights over your records
• Requires authorization for most disclosures

Exceptions to Confidentiality:

• Threat of harm to self or others
• Suspected child or elder abuse
• Court orders
• Medical emergencies

Involuntary Commitment Laws

States have laws allowing involuntary psychiatric treatment when someone poses danger to themselves or others.

Due Process Protections:

• Right to legal representation
• Right to hearings
• Standard of evidence required
• Time limits on holds
• Right to appeal

Patient Rights in Psychiatric Facilities:

• Right to treatment
• Right to refuse treatment (with exceptions)
• Right to communicate with others
• Right to practice religion
• Right to privacy and dignity

National Organizations That Can Help

NAMI (National Alliance on Mental Illness)

Website | Helpline: 1-800-950-6264

NAMI offers support groups, education programs, and advocacy. Their local affiliates provide community-based services nationwide.

NAMI Programs:

• NAMI Connection: Support groups for adults
• NAMI Family Support Groups: For family members
• NAMI Family-to-Family: Education for families
• NAMI Peer-to-Peer: Recovery education
• NAMI Basics: For parents of children with mental illness

Mental Health America

Website | Free screening tools

MHA focuses on prevention and early intervention, offering online mental health screenings and educational resources.

MHA Services:

• Mental Health Month campaigns
• Advocacy for policy change
• Research and reports
• Local affiliate services
• Online screening tools

Depression and Bipolar Support Alliance

Website | Support groups

DBSA provides peer support groups and wellness resources specifically for mood disorders.

DBSA Offerings:

• In-person and online support groups
• Wellness tools and resources
• Peer specialists training
• Research on mood disorders
• Advocacy efforts

Other National Organizations

Anxiety and Depression Association of America (ADAA):

• Website
• Find a therapist directory
• Educational webinars
• Research support

National Suicide Prevention Foundation:

• Crisis intervention training
• Means restriction education
• Survivor support

International OCD Foundation:

• Resources for OCD and related disorders
• Treatment provider directory
• Support groups

CHADD (Attention Deficit Disorder Association):

• ADHD resources for children and adults
• Support groups and conferences
• Educational materials

Crisis Resources: When You Need Help Now

Immediate Crisis Support

988 Suicide & Crisis Lifeline:

• Call or text 988
• Chat at 988lifeline.org
• Available 24/7 in English and Spanish
• Trained counselors provide support and referrals

Crisis Text Line:

• Text HOME to 741741
• Trained crisis counselors via text message
• Available 24/7 nationwide

National Suicide Prevention Lifeline Features:

• Local crisis center connections
• Follow-up services available
• Specialized support for veterans, LGBTQ+ youth, Spanish speakers
• Mobile crisis team dispatch when needed

When to Call 911

Call 911 if someone:

• Is in immediate physical danger
• Has taken an overdose
• Is threatening violence
• Is acting on suicide plans
• Cannot care for basic needs

Crisis Services

Mobile Crisis Teams:

• Mental health professionals who come to you
• Available in many communities
• Can provide assessment and intervention
• May prevent need for hospitalization

Crisis Respite Centers:

• Short-term alternative to hospital
• 24-48 hour stays typically
• Peer support and counseling
• Help stabilize situations

Crisis Stabilization Units:

• 24-72 hour observation and treatment
• Bridge between emergency and outpatient care
• Medication adjustment and monitoring
• Discharge planning and referrals

Making a Safety Plan

A safety plan helps prepare for future crisis:

1. Warning Signs: What feels different?
2. Coping Strategies: What helps when stressed?
3. Social Support: Who can you talk to?
4. Professional Support: Therapist, doctor contacts
5. Environment Safety: Remove means of harm
6. Emergency Contacts: Crisis lines, emergency contacts

Quick Reference: Who to Call

Mental Health Crises

• Crisis/Suicide: 988
• Crisis Text: Text HOME to 741741
• Veterans crisis: 988, press 1
• LGBTQ youth crisis: 1-866-488-7386

Information and Referrals

• Treatment referrals: 1-800-662-4357
• General mental health support: 1-800-950-6264
• Maternal mental health: 1-833-943-5746

Benefits and Services

• Disability benefits: 1-800-772-1213
• Medicare questions: 1-800-MEDICARE
• Local services: 2-1-1

Veterans

• VA benefits: 1-800-827-1000
• Women veterans: 1-855-829-6636
• Homeless veterans: 1-877-424-3838

Making the System Work for You

Navigating mental health support can feel overwhelming, especially when you’re dealing with symptoms that affect concentration, energy, and motivation. Here are some tips:

Getting Started

Start Somewhere: You don’t need to understand every program to begin getting help. Call a helpline or visit your doctor.

Use Multiple Entry Points: Try several resources—what works for someone else might not work for you.

Ask for Help Navigating: Case managers, peer specialists, and family members can help you understand options.

Documentation and Records

Keep Records: Save all medical records, test results, and treatment notes. You’ll need them for disability applications and insurance claims.

Document Everything: Keep a symptom diary, medication log, and notes about your condition.

Get Copies: Request copies of all medical records and keep them organized.

Working with the System

Get Support: Don’t navigate the system alone. Ask friends, family, or peer supporters to help with phone calls and paperwork.

Be Persistent: Initial applications for benefits are often denied. Appeal decisions and keep trying.

Know Your Rights: You’re entitled to reasonable accommodations at work, parity in insurance coverage, and protection from discrimination.

Advocate for Yourself: Speak up if you’re not getting the care you need. Bring a support person to appointments if helpful.

Building Your Support Network

Professional Support Team:

• Primary care doctor
• Psychiatrist or therapist
• Case manager
• Peer support specialist

Personal Support Network:

• Family members
• Trusted friends
• Support group members
• Religious/spiritual community

Crisis Support Plan:

• 24/7 crisis numbers programmed in phone
• List of people to call
• Safe spaces to go
• Self-care strategies that help

Self-Care and Recovery

Daily Wellness Activities:

• Regular sleep schedule
• Healthy eating
• Physical exercise
• Medication compliance
• Stress reduction techniques

Long-term Recovery Goals:

• Stable housing
• Meaningful work or activities
• Social connections
• Financial security
• Hope for the future

Remember: mental health treatment works. With the right combination of therapy, medication, peer support, and practical assistance, people with mental health conditions can and do recover. These government programs and resources exist to support you on that journey.

The path to better mental health isn’t always straightforward, but you don’t have to walk it alone. Whether you need immediate crisis support, long-term treatment, financial assistance, or just someone who understands what you’re going through, help is available.

Mental health is just as important as physical health. Your struggles are real, your feelings are valid, and you deserve support. Take the first step—reach out for help. Your life matters, and recovery is possible.

Our articles make government information more accessible. Please consult a qualified professional for financial, legal, or health advice specific to your circumstances.