text: is it standard for health insurance policies to not cover any mental health services or medications? my boyfriend has depression and used to be on zoloft.  i feel he should be on it again however his health insurance plan does not cover mental health services.  it seems to be a good plan, what it does cover it covers very well, so i'm surprised it will not cover this.  is this typical? no its not-most reputable insurance plans cover mental health and prescriptions  -sounds like he has a supplemental insurance plan and not  major medical which he needs to have-unfortunately even if he changes this is a preexisting condition and more than likely will have a waiting period to cover it.  he can get  prescription card now-search under prescription help and similar topics and can get one for approx 90 some dollars a year or even less . his family doctor can prescribe zoloft-any md can.tell him to go for family doctor will understand his situation if he doesn't any md will/can prescribe and then shop for lowest price like at costco.  hope i helped.