Tag: insurance

Guide to Finding Multiplan Coverage for Mental Health and Addiction Treatment
If you are dealing with addiction alongside other mental health issues, this helpful guide can help

1. What counts as addiction?
2. Does Multiplan cover mental health treatment?
3. Multiplan PPO
4. Why should you consult with Multiplan psychiatrists?
5. What is the Multiplan substance abuse criteria?
6. How can you find the best substance abuse coverage?
7. Does Multiplan offer aftercare services?
8. Multiplan mental health coverage
9. Find the best treatment for addiction and mental illness

Addiction acts as a monster that can get its claws deeply embedded into your mind and body, and getting that monster off you can be quite a daunting task. However, it’s not impossible and is often made easier with the help of the right professionals and the right health networks. Addiction treatment usually includes all types of addictions, though primarily drugs and alcohol.

When you check into the right rehab, you’re taking the first step towards taking care of yourself and being in charge of your lifestyle choices. Checking into a rehab facility can create an ideal environment for anyone who is suffering from addiction because can leave them with a long-term focus and good knowledge of self-care. Multiplan Mental Health, Addiction Treatment, and Drug Rehab Coverage is an excellent option for anyone who is considering rehab and wants to start their journey towards sobriety. Under this coverage, you can undergo rehab in complete privacy, which can minimize it from affecting your professional or social life.

What counts as addiction?

Addiction takes over someone when they engage with a substance or behavior that grants them instant gratification. This condition usually has a lasting effect on a person, and it can encourage them to pursue the substance or behavior repeatedly, while ignoring the severe consequences. Addiction can come from different sources, including drugs like cocaine, heroin, opioids, nicotine, and alcohol, and with behaviors like gambling.

When you engage in substance abuse, mental health disorders can be triggered. Some of the prominent mental issues associated with addition include depression and anxiety. Addiction is a behavioral health disorder that can be characterized as overdoing the use of drugs and alcohol. While getting addicted to a substance is not a choice, using them, however, is most often a conscious decision. To overcome this disease, it can be beneficial to seek professional help from the medical field.

Does Multiplan cover mental health treatment?

Mental health is a fragile thing, and if affected by drugs or alcohol, it needs to be dealt with in a delicate manner. The degree to which insurance can cover an individual plan varies, but overall, but some people use Multiplan mental health care. The mental health treatments usually depend on the condition of the patients who are treated for addiction and substance abuse.

Multiplan also offers its insurance holders essential addiction and mental health resources. They have a comprehensive guide and an education series that is great for giving the reader information that will help them recognize the signs of addiction and also provide helpful tips for the patients and their families. The Multiplan mental healthcare program encourages your friends and family to come forward and participate in their family and group counseling session, so that everyone around you understands the importance of mental health and can extend their support to you or anyone else who might be suffering.

Patients who are under Multiplan providers need to find out if the treatment they want is covered by the insurance policy that they chose. It’s important that every person admitted into rehab knows the treatment they have chosen and if it’s viable with their insurance policy. They need to know the requirements and if they will have to take on any additional costs that may not be covered by the insurance company.

Multiplan PPO

PPOs are a hot topic, but not many people know what they are. PPO stands for Preferred Provider Organization. With a PPO you can see providers without a prior referral from your primary physician and your plan will pay for all or part of it as long as the provider is in the network. If your provider is outside the network, you will have to pay more. A PPO is quite flexible, and it gives you more variety and a good selection of care. With a PPO, you can choose the doctor you want without any repercussions; the only issue is you will have to shell out a bit more cash if you wish to access that privilege. Additionally, you need to ensure that you meet the monthly premiums so that you get uninterrupted treatment that you have paid for.

Multiplan PPO and insurance work hard and consistently to help ensure that the policyholders are always treated well and that the cost of their services is accessible to everyone.

Why should you consult with Multiplan psychiatrists?

An addiction psychiatrist is a doctor who focuses on treating patients that have any addictive or mental health disorder. They usually suggest medications like antidepressants and antipsychotics to help them cope with withdrawal and anxiety episodes. While many psychiatrists suggest that you take meds without really listening intently to your problems, the Multiplan psychiatrists are meant to ensure that your issues are heard and to listen to everything you have to say, which can better the treatment options. They often suggest a lifestyle change that can help you overcome your addiction as well as prescribe you with the right medication that will serve to improve your mental health with minimal side effects.

What is the Multiplan substance abuse criteria?

There are many substance abuse hurdles one must climb over before they attain sobriety. If you contact any of Multiplan’s Mental Health and Addiction Treatment services, you will need to meet the following substance criteria:
- Inpatient treatment
- Detoxification
- Long-term residential programs
- Outpatient treatment and care
When you contact Multiplan’s treatment referral center, you will be directed to professionals who can help you choose the best plan for you based on your needs. They will help you along with an insurance benefits review and then suggest rehab treatment facilities as well as what procedure you must follow.

How can you find the best substance abuse coverage?

While you can opt for Multiplan substance abuse providers and the coverage they offer, you should ask yourself if this is the best option for you and if it’s vital in the long run for your treatment at the rehab center. Patients who are looking for rehab insurance must first contact the network providers that work with the insurance company and look for the plan and facility of their choice. The patients should ensure that they get a center that has professional psychiatrists, the best facilities, and the right type of care that they will need.

The treatment that you receive as a patient is important, especially if you’re admitted because of mental health and addiction. The care that a patient receives can have an impact on them in the long run. So, it would help if you put in much thought before making the decision; each patient should select the treatment plan that will suit them the best and the one they are most comfortable with. The Multiplan substance abuse providers will help you choose a plan that will meet your needs and help sustain your sobriety in the long run.

Does Multiplan offer aftercare services?

Multiplan substance abuse counseling is one of the many highlights that come with applying for an insurance policy, but aftercare is also a part of the healing process and should not be avoided; therefore, insurance companies like Multiplan cover most aftercare services. For patients who seek residential treatment, their aftercare sessions will include staying at the center for a month or visiting the rehab center under strict supervision and daily medication. For people who don’t have a safe place to get better and are surrounded by potential elements that can trigger their addiction, they are recommended to go for inpatient treatment.

Both the treatments offer one-on-one therapy, where you learn to live without the addiction to alcohol or drugs. If you go for residential treatment, you will get more benefits, like having access to medical care and a choice between alternative therapies, along with family and group therapies. When you go for residential treatment, you will receive loads of benefits from a team of professionals whose sole purpose is to help you get better.

Multiplan mental health coverage

When you go for substance abuse and addiction coverage, mental health is usually covered within that. This is a good aspect, because when a patient is suffering from addiction, their mental health can take a serious toll. Substance abuse can lead to withdrawal and depression, along with bouts of anxiety. Rehab centers acknowledge these issues, and the best treatments are often the ones that identify and recognize the connection between addiction and mental illnesses. Before you start your journey towards sobriety, you need to know your diagnoses, which has to be given to you by professionals. It is not a good idea to diagnose yourself. Once you’re diagnosed, you can choose the treatment that can best suit your situation and the one that can offer you the most effective results too.

Multiplan mental health coverage includes the diagnosis of your mental illness from a professional psychiatrist and a prescribed treatment plan. Patients who have been properly diagnosed are entitled to a mental health coverage plan that deems appropriate care. Just like addiction treatment, mental health coverage can demand residential treatment if needed or even outpatient therapy (if needed).

Find the best treatment for addiction and mental illness

While Multiplan approved substance abuse facilities are available, you probably want to plan your treatment according to the diagnosis, and the plan that you choose has to be important. As mentioned before, it’s best to contact the in-network providers and look for a facility that has experience and will provide you with the appropriate care that you need.

The facility and treatment that you choose can be vital for your well-being and recovery, and it is often best a decision that is well thought out and not spontaneous.

View the original article at thefix.com
27 July 2019
Anthem Blue Cross Coverage for Drug Rehab and Behavioral Health
Anthem Blue Cross alcohol rehab centers, drug addiction rehab facilities, and behavioral health treatment centers are important providers of mental health care coverage.

Substance use disorders, alcohol abuse, drug addiction, and behavioral health issues are all important mental health conditions that can cause significant dysfunction in your life. They often occur together too, which can make symptoms worse. There is hope, though, as these are all conditions that are treatable and manageable. Anthem Blue Cross alcohol rehab centers, drug addiction rehab facilities, and behavioral health treatment centers are important providers of mental health care.

Table of Contents
Defining Substance Abuse, Alcohol Addiction, and Behavioral Health

Substance abuse is any misuse of a drug or alcohol. If you misuse drugs, you are not necessarily addicted, but you are at significant risk for it. Alcohol or drug addiction refers to a serious illness characterized by being unable to control your use of the substance. Some of the Anthem Blue Cross substance abuse criteria include:
- Intense cravings 
- Regularly using more than you intended 
- Being unable to stop using or to use less 
- Spending a lot of time on using 
- Spending less time on other activities because of substance use 
- Failing to meet your responsibilities because of substance use 
- Using a substance in spite of problems it causes with friends and family 
- Continuing to use a substance even though it causes or worsens health problems 
- Using in dangerous situations, like while driving 
- Needing more and more to get high 
- Having withdrawal when you try to stop using 
Substance abuse, addiction, and alcoholism are all considered to fall under the category of behavioral health. These are conditions related to how you react to the world and how you behave and the choices you make, such as alcohol use or drug use. You may need Anthem Blue Cross Substance abuse care if you find you can no longer control your use of alcohol or drugs.

But behavioral health also includes mental illnesses, like depression, anxiety disorders, and personality disorders. These are conditions that have no known causes but plenty of risk factors, like genetics and substance abuse. Anthem Blue Cross mental health coverage is important because it will cover these mental illnesses that require treatment.

Does Anthem Blue Cross Cover Substance Abuse Treatment and Alcohol Addiction?

Most insurance companies do cover treatment for addiction and substance use disorders, although the degree of coverage depends on each individual plan. Anthem Blue Cross providers may offer detox services, medical treatment for certain types of drug addiction, treatment in rehab facilities, and outpatient therapy. Anthem Blue Cross Blue Shield subsidiaries offer coverage in a number of locations.

It is important that you understand your own Anthem Blue Cross substance abuse policy so that you know what to expect. There may be certain criteria you must meet, for instance, in order to be covered. You may also be facing some co-pays or a deductible, so know what these are before you enroll in treatment.

Does Anthem Blue Cross Cover Mental Health Treatment?

Yes, as with substance use disorders, most insurers do also cover treatment for all types of behavioral health, including mental illnesses. With Anthem Blue Cross mental health providers, you will have access to a great network of professionals. This includes therapists, counselors, physicians, psychologists, and psychiatrists. You also have access to Anthem Blue Cross approved mental health facilities for residential treatment if necessary.

Understanding Anthem Blue Cross Substance Abuse Coverage

What your coverage includes for alcohol addiction or substance abuse depends on the plan you have. Make sure you read over the materials you have for your policy so that you can make better decisions about treatment. Consider factors like deductibles, whether you have to stick with in-network providers, if treatment in an inpatient center will be covered, the costs and coverage for prescription drugs, and more.

Understanding Anthem Blue Cross Mental Health Coverage

With mental health care, you will also need to understand your specific plan or policy before making treatment decisions. You may be required to get treatment from in-network providers or to pay a certain amount in deductible before insurance payments kick in. Read your Anthem Blue Cross mental health policy carefully before deciding on care, and call if you still have questions about coverage.

Anthem Blue Cross In-Network Providers or Out-of-Network Providers?

You may have a choice to make in your treatment services between in- and out-of-network providers. Your policy may require that you choose doctors, therapists, and facilities that are in a group of network providers. This is known as an EPO, exclusive provider organization.

Or, your policy may allow you to choose from any provider. This is a PPO, a preferred provider organization. Choosing an out-of-network facility or physician may cost you more money, so be sure you know what your policy says.

Types of Substance and Alcohol Abuse Treatment Covered by Anthem Blue Cross

When seeking treatment for a substance use disorder or alcohol use disorder, you may have a lot of choices, including between Anthem Blue Cross psychiatrists, therapists, and treatment centers. The first big decision to make is between outpatient and inpatient treatment.

Inpatient care is intensive, residential treatment. You will live in a facility for a few weeks or months to get treatment on a daily basis. This type of care provides around-the-clock supervision, a safe environment, other residents to work with, and a larger team of caregivers to provide different types of therapy and support services.

Some benefits of outpatient care include being able to stay at home, being with family more, and being able to keep going to work. On the other hand, you don’t get as much time to focus on your wellness with just a few sessions of therapy per week.

The choice you make will depend on your particular needs, your Anthem Blue Cross substance abuse policy, and your preferences. Many people find they need the intensive care of a rehab facility, while others find success in outpatient therapy.

Types of Mental Health Care Covered

Treatment for mental illnesses can also be inpatient or outpatient, but it is more often provided on an outpatient basis. If your policy does not cover residential care for mental illness, you can still get effective treatment from Anthem Blue Cross therapists and other providers.

Anthem Blue Cross depression providers, for instance, offer one-on-one therapy sessions on an outpatient basis that can help patients manage their symptoms. This kind of treatment can be very effective as long as you stick with it, get good medical care, and practice healthy lifestyle habits recommended by your therapist.

Coverage for Aftercare Services

Aftercare is an important part of treatment for substance and alcohol abuse in particular. If you spend time in a residential facility, the transition back to home and work can be difficult. Your Anthem Blue Cross substance abuse care policy may include coverage for ongoing therapy on an outpatient basis. This, along with attendance at support group meetings can help you make a smoother transition and reduce the risk of relapse.

Types of Services Anthem Blue Cross May Not Cover

You may have the best policy, but there still are some mental health and addiction services that you’ll find are not covered by your insurance. For example, your Anthem Blue Cross approved alcohol abuse facilities list is not likely to include any luxury centers.

And don’t expect coverage for a private room or some extra services a facility may offer. Things like music therapy, massage, yoga and other exercise classes, or cooking instruction are useful services. However, they may not be covered by your policy.

Choosing the Best Mental and Behavioral Health Services

Your choices may be restricted to some degree by your Anthem Blue Cross substance abuse professionals list or mental health care providers. However, you will still have options, and you shouldn’t have to settle for treatment that doesn’t work for you. Narrow down your list by coverage options, location, and extra costs.

Once you have a list of facilities or treatment providers that match your needs, visit those facilities and speak with staff. Ask any questions you have about the treatment program, and speak with residents if possible in a rehab facility. Make a choice based on practical considerations, like what your policy will cover, but also what works for your personal needs and preferences.

Using Anthem Blue Cross Insurance for Behavioral Health Care

Most people will need some type of behavioral health care at some point in their lives. For you it may be alcohol addiction treatment or depression management. To get the most out of your insurance policy, make sure you understand it. Know what is covered and what is not, what extra costs you face, and which providers are in your network. Find out if you need pre-authorization or a referral.

Good mental and behavioral health care is essential for living well, but too few people actually get the treatment they need. With Anthem Blue Cross you should find that you can get treatment and that the costs will not totally come out of your pocket. Working with your insurance company is an important part of getting good care, so don’t hesitate to call if you need help understanding and using your policy.

View the original article at thefix.com
3 May 2019
Cigna Behavioral Health Rehab Coverage for Addiction and Mental Illness

Behavioral health is a term that encompasses all types of mental illness, behavioral disorders and substance use disorders, or addictions. Rehab is an important treatment option for anyone struggling with one of these types of conditions, because it provides long-term, focused and individualized care. Cigna behavioral health rehab coverage is important to consider for anyone who needs this kind of treatment.

What Counts as Behavioral Health?

Medical terms can be confusing, especially when sorting through diagnoses, treatment options and insurance coverage. Behavioral health can refer to mental illnesses, like depression, anxiety disorders, personality disorders, schizophrenia and many others. Some childhood conditions are also a part of behavioral health, like attention deficit hyperactivity disorder, or ADHD.

Behavioral health most often refers to addiction. More formally known as substance use disorder, addiction is a behavioral and mental health condition that is characterized by out-of-control use of drugs or alcohol. While misusing substances is a choice, being addicted is not. Professional and medical treatment is necessary to help individuals overcome this disease and to be firmly in recovery with a lower risk of relapse.

Does Cigna Cover Substance Abuse Treatment?

The degree of coverage depends on individual plans, but yes, Cigna does cover treatment for substance use disorders. Some of the types of services covered are rehab for drugs or alcohol, detoxification and outpatient counseling.

Cigna also offers insurance holders important behavioral health and addiction resources. The free education series provides information about recognizing the signs of addiction as well as advice and helpful tips for both patients in rehabs and their families.

Patients with Cigna health insurance will need to find out if they meet the criteria to have rehab and other types of treatment for substance use covered. It is important for each individual to understand their plans, to know what the requirements are for coverage and to find out what any out-of-pocket costs might be.

Understanding Cigna Behavioral Health Rehab Coverage

The type of coverage a patient has for behavioral health and addiction depends on the plan purchased. It is important to understand coverage when making decisions about treatment. There are many factors to consider, including deductible amounts, whether or not treatment needs be with an in-network provider, whether coverage includes inpatient or outpatient services, if there is any coverage for after care services, and prescription drug costs and coverage.

Individuals should verify coverage and Cigna substance abuse policy before making a choice about treatment. There may be costs that have to be covered out of pocket, depending on individual plans and polices and the treatment chosen.

Cigna In-Network Providers vs. Out-of-Network Providers

One of the most important considerations to make when choosing treatment for addiction is between in- and out-of-network providers. Whether or not a patient needs to get treatment from an in-network provider depends on individual Cigna plans.

For instance, an EPO, or exclusive provider organization, is a type of insurance that requires patients only see treatment providers in the network. A PPO, or preferred provider organization, allows for treatment from providers outside of the network, but costs to the patient may be higher.

It is usually less expensive for the patient to choose treatment through an in-network provider. However, it is worth contacting Cigna to find out what is allowed and what extra costs would be. Sometimes an out-of-network rehab or therapist is the best option for a patient.

Types of Behavioral Health Treatment Covered by Cigna

Cigna substance abuse coverage includes two main types of treatment: inpatient and outpatient care. Outpatient treatment can be as simple as attending 12-step programs and support groups. However, for most people struggling with addiction, this is not enough.

Outpatient care provided by professionals is therapy or addiction counseling. Patients in outpatient treatment may have one or more sessions per week, but they don’t live in a rehab facility. They live at home and are generally able to continue with normal activities, like work and school, while going through treatment.

Inpatient treatment for addiction is also known as residential treatment or rehab. This type of care includes a stay for a month or a few months in a facility that provides 24-hour supervision and daily treatment. Inpatient treatment is best for people who have no safe place to live while getting treatment or who don’t feel confident in being able to stay sober while at home.

Both types of treatment offer one-on-one therapy for learning how to live without alcohol or drugs. Residential care, however, provides much more. Patients in rehab usually have access to medical care, alternative therapies, and family and group therapies. They benefit from a whole team of professionals with different types of behavioral health expertise.

Coverage for Aftercare Services

Aftercare is an important part of addiction treatment, and much of it is covered by Cigna insurance plans. For patients going through residential treatment, aftercare may include outpatient therapy sessions, support group attendance, check-ins back at the residential facility, job and vocational training and medical care.

This kind of ongoing treatment is important, because it provides patients with a smoother transition from the intensity of residential care to life back at home with little or no supervision. Aftercare helps to reduce the incidence of relapse and to minimize the need for additional inpatient treatment in the future.

Some of the types of aftercare that are likely to be at least partially covered by Cigna plans are outpatientsessions with Cigna therapists and potentially with out-of-network providers, prescription drugs and medication-assisted addiction treatment, and the costs of staying in a sober living house.

Cigna Mental Health Coverage

Mental health is typically included in coverage for behavioral health services. In fact, many patients have co-occurring mental illnesses and substance use disorders. The most effective treatment addresses all of the behavioral health needs of an individual. It is important to get a diagnosis that uncovers any substance use disorder or mental illness and to choose treatment services accordingly.

Cigna mental health criteria for coverage are having a diagnosis of a mental illness from a professional and recommended treatment plan. Patients who have been diagnosed are entitled to coverage for appropriate care. Like substance use disorders, this care may include residential treatment if necessary or outpatient therapy.

Types of Behavioral Health Services Cigna May Not Cover

Even with the highest level of Cigna behavioral health rehab coverage, there are some services that are not likely to be paid for by the insurance company. These will be out-of-pocket expense for the patients. Luxury rehab facilities, for instance, are probably not covered for any patient. A private room at a treatment center is also considered a luxury expense that is not typically covered.

The insurance plan will also not cover any medications that can be purchased over the counter. Many types of alternative or complementary services may also not be covered—things like yoga classes, music and art therapy, or massage.

Some of these services and treatments not covered can be beneficial. Patients should find out by contacting Cigna if coverage will be included before committing to them. Those who want to continue with services that are not covered must be prepared to pay the costs.

Finding the Best Behavioral Health Treatment

While Cigna behavioral health rehab coverage should not be the only consideration when choosing the best treatment, it should be an important one. Patients should start with in-network providers and look for a facility or therapist that is experienced and appropriate for the type of care needed. They can ask for references from previous patients and visit facilities to have a tour and to speak with staff before making a final choice.

The treatment a patient gets for addiction or mental illness is crucial to recovery and long-term wellness. It is not a decision that should be taken lightly. Each individual must choose the treatment that feels best and most comfortable but that also meets their needs and makes sense within a Cigna insurance plan and coverage level.

Using Cigna Insurance for Behavioral Health Care

In order to make the best use of Cigna insurance for getting needed treatment for addiction and other behavioral health issues, have a firm understanding of coverage. Patients should check with Cigna to confirm coverage and out-of-pocket costs. They also need to go over insurance plans with the treatment provider. These steps are important to take before committing to any treatment plan.

Most patients will not need a referral from Cigna to get treatment, but pre-authorization may be needed. Insurance holders will also need to cover any remaining deductible costs and copays associated with treatment.

Getting behavioral health treatment is so important and too often overlooked. Insurance holders have an ally with Cigna. This insurance company provides coverage options that work with most people’s needs and income levels. Working with Cigna is a crucial part of getting the best care that is also affordable.

View the original article at thefix.com

1 April 2019
For Some Millennials, Access to Mental Health Care Can Be Problematic

Millennials have been found to have the highest stress levels of any generation, but barriers like a lack of health insurance are preventing them from getting treatment.

Aishia Correll, 27, grew up in a world where therapy was not an option. So, when the Philadelphia woman began struggling with her mental health, she turned to painting instead.

But now, Correll tells the Bristol Herald Courier, she is a health care strategist and is working to increase access and affordability for mental health care, especially for millennials, women of color and the LGBTQ community.

Correll’s areas of focus are in need. According to a 2018 survey by the American Psychological Association, millennials and Generation Z are at a higher likelihood of rating their mental health as fair or poor in comparison to other generations. In the same survey, millennials were found to have the highest stress levels of all generations.

However, the survey also revealed that millennials and other young adults were more likely to seek out professional mental health care than older generations. In fact, over one-third of millennials and Generation Z said they were receiving treatment or therapy from a mental health professional.

The Bristol Herald Courier also reports that since 2014, millennials have continually reported the highest stress levels. In Philadelphia specifically, one barrier to treatment is not having health insurance. According to a Pew report from 2014, 22% of those ages 18-34 in Philadelphia had no health insurance.

Jennifer Schwartz, inaugural director of Drexel University’s Psychological Services Center and an associate professor in the department of psychology, tells the Bristol Herald Courier that without insurance, therapy can cost anywhere from $75 to $200 for one session.

At Drexel, Schwartz states, patients are offered a sliding scale price that is based on income, and services are provided by doctoral students.

“We have a large demand for our services, bigger than we could possibly provide,” Schwartz said. “We do get people who call us and are upset by the lack of services that they’ve been able to locate and access.”

According to executive director of the Black Women’s Health Alliance, Brenda Shelton-Dunston, this issue is even bigger for millennial women of color.

“There is a void in mental-health availability and access to mental-health prevention and support services for women of color in Philadelphia,” she told the Herald Courier.

According to Correll, one solution could be services focused on millennials and located in the right areas.

In the meantime, she is continuing to turn to art as a means of therapy and is hoping to provide a space for others to do the same through her creation of a “healing” art gallery in North Philadelphia.

“I didn’t see that my family had a place like that,” she said. “I want to make sure I have a place like that.”

View the original article at thefix.com

10 January 2019