Therapy is health care. So why won’t your health insurance pay for it?

 A recent survey of nearly 2,800 US patients found that 40 percent of patients who had sought in-network mental health care had to make four or more calls to find a provider who would see them — compared to just 14 percent for physical health care. More than half of patients said they had had a claim for mental health care denied three or more times, compared to about one-third who had the same experience with physical services

Now the Biden administration is taking new steps to hold health insurers accountable and, they hope, make it easier for Americans to get mental and behavioral health care. But those are promises that have been made before. Experts sound cautiously optimistic about Biden’s proposal, but it’s too early to say if this time it’s different.