The Affordable Care Act created what are called essential health benefits - when a health benefit is determined to be essential, health insurance plans must cover it. For drug and substance rehab, these essential health benefits for mental and behavioral health services include three types of services:
Furthermore, the Mental Health Network (MHNet) is now in-network with Ashwood Recovery! As the insurance provider states on their homepage, the organization "manages all your mental health and substance abuse services through your medical plan."”" The insurance provider now works directly with Ashwood Recovery, bettering both of our ability to serve you in your rehab needs.
Being in-network with our facility means that you can complete an assessment at our facility, and we can help you get the drug rehab benefits that you need through MHNet.
There is no question that attending drug rehab can be expensive. Fortunately, if you have Mental Health Network as your health insurance provider, getting the drug rehab and addiction treatment services you need can be very affordable. You can learn more about what it means for MHNet to be in-network with our facility here.
In simple terms, in-network insurance essentially means that you will receive your health care benefits at lower prices. Having in-network insurance coverage for drug rehab means that it is usually much easier to realize the drug rehab benefits available to you, and usually at a lower price. In contrast, an out-of-network provider means that the facility is not directly contracted with the health insurance provider. Now that Ashwood Recovery is in-network with MHNet, we are happy to continue to offer our high-quality addiction treatment services at a lower cost to those who need them.
The most important implication of MHNet being in-network with Ashwood Recovery is that coverage for drug rehab and addiction treatment services is much more likely to be approved. The best way for you to realize your MHNet benefits is to first get an assessment either with our facility or any facility you choose. This assessment will cover your drug treatment options and determine whether the treatment is medically necessary.
Of course, we cannot answer exactly what will and will not be covered by the Mental Health Network - that is determined by the plan that you have with the health insurance provider. To get started on the process of determining coverage, you can fill out the insurance verification form, provided below.
The fact that MHNet is now in-network with our facility does not mean that you won't be paying anything at all for treatment. However, it does mean that you most likely will only need to meet your deductible - after that is met, MHNet will cover the remainder of the treatment cost. It is worth noting here that your deductible can vary depending on which insurance plan you have with MHNet. Some are very high, but many deductibles are around $2500 per year. You can find more information about the health plan services program guidelines - including deductibles, eligibility, and inpatient admission guidelines - on the MHNet website.
If you choose a drug rehab facility - like Ashwood Recovery - that is in-network with the MHNet insurance company, you will simply have to pay the deductible, and the insurance agency will usually cover the rest of the cost of rehab, since they have already negotiated a specific rate with the individual rehab facilities. In contrast, with out-of-network facilities there is no guarantee that these costs beyond a deductible will be met. Long story short, choosing a rehab program that is in-network with your insurance company could save you a great deal of money.
The easiest answer is to let someone help you who is skilled in working with those who are battling alcoholism or substance abuse. Ashwood Recovery is a great ally for you in the process. We are committed to working with MHNet to inquire about your benefits regarding drug rehab and treatment on your behalf.
Your MHNet primary care physician must specifically state that you need:
It doesn't mean you should give up and figure that you won't be going to drug rehab in Idaho. It means you have to keep reading the fine details. For example, treatment of emotional conditions or chemical dependency, which requires professional intervention, is paid for.
Once it is determined to be medically necessary, the drug addiction treatment options that MHNet covers include:
If you are thinking about drug rehab or getting other addiction treatment services in Idaho, you have already taken the most important first step - realizing that you need to get help. The next step to take is to call the MHNet insurance provider, and get a doctor's appointment, which is the immediate next step to get you qualified for drug rehab at Ashwood Recovery. Don't simply enter the drug detox or drug rehab addiction treatment and figure that it will all work out in the end.
Making a decision to go to drug detox or drug rehab is one of the best decisions you can make when you have substance abuse issues. But there are other issues to address once the decision to go sober is made.
There are many things that determine whether or not you will get the MHNet health insurance company to cover your drug rehab program in Idaho or addiction treatment. In order to gain a better understanding of these factors, ask yourself the following questions as the first step, before you get an assessment from Ashwood Recovery and in addition to filling out the insurance verification form, provided below. The questions you should ask yourself to help determine insurance coverage with MHNet include:
Where do you plan to go in Idaho for drug rehab?
Ashwood Recovery is in-network with MHNet, and therefore a good option for getting help with alcoholism or substance abuse treatment.
Did your primary care doctor through MHNet approve recovery at a drug rehab facility?
Most insurance plans require that drug rehab be determined to be medically necessary by an assessment with a doctor.
Do you have co-existing mental disease (including depression, anxiety, or bipolar disease)?
These can often be covered as both an essential benefit and medically necessary treatment.
Did your primary care doctor at MHNet approve group counseling, individual counseling, family counseling, or a combination of the three as part of your drug treatment plan?
These counseling approaches are an essential element of treatment at Ashwood Recovery.
Did MHNet health insurance professionals approve the specific Idaho drug rehab program?
Ashwood Recovery is in-network with MHNet, but rehab programs usually require preauthorization with health insurance providers.\
Is the drug rehab program an inpatient treatment center in Idaho or is it an outpatient treatment center?
Ashwood Recovery primarily provides intensive outpatient treatment for drug addiction. This is usually associated with a lower cost, particularly for those with in-network insurance providers
You'll have to make a call directly to Mental Health Network health insurance, and perhaps specifically your insurance representative, to find out whether your policy will or won't cover drug rehab in Idaho. When you talk to an insurance representative, ask them to send out a recap of the conversation in an official letter to you. This will help you avoid hassles later.
Most insurance companies, including MHNet, want to take you through a process of pre-authorization for these types of addiction treatment services. And it makes a lot of sense. Even though MHNet is now in-network with our facility, it still requires preauthorization for services related to addiction treatment.
At Ashwood Recovery, we can help you through the process so you can get the addiction treatment at the drug detox or drug rehab in Idaho that you need. In order to get a more specific answer about how MHNet will cover drug rehab and addiction treatment, complete our insurance verification form. With the information required in the form we can find out how MHNet will cover treatment. Give us a call today and let's take out the guesswork - we can help you not only get the addiction treatment that you need, but also determine how to make it work with your insurance in the first place.
There's no hard and fast answer to this question. There are many different insurance plans available through MHNet, and each will need to be checked individually to check you rehab benefits and coverage. Don't worry though - we can verify and check your insurance benefits for addiction treatment at no cost and with no obligation. You can find the insurance verification form here.