Understanding your insurance coverage can be complicated, especially if you are in a mental health crisis. It’s important to know what your insurance covers and doesn’t cover so you can receive the necessary treatment without any added financial stress. Paying for treatment should not be a barrier to recovery; Harmony Hills is happy to help you verify your insurance and answer any questions you may have.
Your Insurance Covers Mental Health and Addiction Treatment
All health insurance providers are required to provide coverage for mental and behavioral health, as required by the Affordable Care Act (ACA) of 2008. This requirement goes further than just mandating coverage.
Before the ACA, many insurance providers established limits on access to mental health care that were more restrictive than physical health care. Parity laws remove these limits by requiring that insurance companies cover mental health and substance use at the same level as medical needs. If you have a condition that has an official diagnosis in the Diagnostic and Statistical Manual of Mental Disorders (DSM-5), your insurance provider must offer coverage.
Your insurance can cover inpatient or outpatient treatment, medications, and various therapy options. Your particular policy and state determine your specific coverage, so it is essential to talk with your representative. Alternatively, your Harmony Hills case manager or intake specialist can help you navigate this process.
Key Things to Consider About Your Insurance Coverage
Your description of plan benefits should include information about behavioral health services or coverage for mental health and substance use disorders. The following are some essential points to consider when determining your coverage:
Provider Networks
Most insurance companies provide a list of in-network providers, which are healthcare professionals and facilities offering services at discounted rates. Using an out-of-network provider usually means higher out-of-pocket costs. You can find in-network providers on your insurer’s website or by contacting customer service.
Copays
A copay is a fixed amount you pay out-of-pocket for services like a doctor’s visit or therapy session. For example, you might pay $20 for a doctor’s appointment while your insurance covers the rest. Parity laws ensure mental health copays aren’t higher than medical copays, preventing added financial burdens for mental health treatment.
Deductibles
A deductible is the amount you pay out-of-pocket before your insurance starts covering costs. It acts as a threshold, varying from $500 to $5000 or more, depending on your plan. Knowing your deductible is important, as it determines how much you’ll pay for mental health treatment before insurance helps cover the costs.
Providers
When choosing a mental health provider, confirm they accept your insurance. You can check with the provider or your insurance company. Also, find out if they bill your insurance directly or require you to pay upfront and submit a claim. This helps you understand the payment process and your financial responsibilities.
Taking the time to understand your insurance coverage and verifying details with your provider can make accessing mental health care smoother and less stressful. With the right preparation, you can focus fully on your well-being and recovery.
Harmony Hills Works with a Number of Insurance Providers
We are committed to making mental health care accessible and affordable. That’s why we partner with a variety of insurance providers to help cover the cost of treatment. Our goal is to ease the financial burden so you can focus on your healing journey. Harmony Hills works with:
- Aetna
- Beacon
- Blue Cross Blue Shield
- Florida Health Care Plans
- Humana
- Optum
- TRICARE Military Insurance
- United Healthcare
Reach out to us to see if you’re in network, find out what your insurance covers, and start your recovery journey today.
Contact Harmony Hills to Verify Your Insurance and Start Treatment Today
Understanding the ins and outs of insurance coverage for mental health can feel overwhelming. However, help is available at Harmony Hills. We work closely with many providers to ensure you get the best coverage possible for your mental health treatment. If you or a loved one is ready to overcome the challenges of a mental health condition or dual diagnosis, take the first step to recovery today. Call 855.494.0357, fill out our online form, or send us a chat to get started.
