Health insurance is difficult for lots of people to understand. Getting insured and keeping up with what you’re covered for can be tedious and complicated. There are also many terms used in health insurance plans and discussions that may confuse the average person. For example, in-network and out-of-network aren’t in everyone’s day-to-day lexicon until they are insured. When you visit a physician or practice in-network, that visit is covered by your insurance plan. When you visit an out-of-network practice, you’re not covered. You can usually find out whether you’re covered by contacting the practice. For example, many people don’t know whether they’re covered for mental health or rehab costs. You can find out if you’re covered for some practices by completing a rehab insurance verification form online.
At Oceanfront Recovery in Laguna Beach, California, we take pride in excellence through dual diagnosis. With dual diagnosis substance abuse treatment, you can address your addiction and a mental illness that may be making things worse. Addiction and other mental illnesses can feed off each other, making sobriety more and more difficult to obtain as they each get worse without proper treatment of both. In dual diagnosis treatment at Oceanfront Recovery, you’ll get excellent treatment for substance abuse and PTSD, depression, anxiety, or any number of mental illnesses you may be dealing with. For more information about what we can do for you, call us at (877) 296-7477 or visit us online.
Does Insurance Cover Mental Health?
Many people wonder whether mental health services are covered for them through their insurance or not. It’s easy to assume that you’re not covered, especially if you’re on a small plan or if your insurance is provided through your workplace. However, medical insurance plans designated as small groups or individuals are required by federal law to cover mental healthcare services and rehabilitation costs.
There’s a strong possibility that your health insurance includes mental health needs, thanks to the Mental Health and Substance Abuse Disorder Coverage Parity laws. These laws mean that insurance companies must treat mental health claims in the same way they address physical health claims. Medicare and Medicaid cover many mental health services as well. Insurance for mental health is out there, and it’s in your best interest to access the services you’re entitled to. Your mental health is just as important to your physical health, especially if you’re working toward sobriety.
Mental Health Insurance in California
California also had the Mental Health Parity Act, which requires all commercial state-run health plans to offer complete coverage to treat all mental health illnesses and substance use disorders. This includes:
- Coverage of any medically necessary mental health or substance abuse treatment
- Coverage of any in-patient or out-patient treatment in any appropriate setting
- Coverage for out-of-network treatment in situations where in-network treatment is unavailable
Mental health care is available in California, and there’s an almost certainty that your insurance covers your needs, including rehabilitation costs. Don’t wait to seek the treatment that will most benefit you. Delaying finding support can only worsen a condition.
Get Mental Health Counseling at Oceanfront Recovery
Regardless of your insurance status, there is support available to you and your loved ones in need of mental health treatment. Dealing with health insurance in California doesn’t have to be daunting. Oceanfront Recovery offers a wide range of mental health services and several different styles of therapy. We take pride in offering individualized treatment plans at affordable rates. If you think that you or a loved one would benefit from a substance abuse treatment plan, don’t wait. Call us at (877) 296-7477 to discuss our services or check if your insurance considers us in-network.