Using Health Benefits to Cover Inpatient Rehab at Purpose Healing
Going to a residential treatment center can be life-changing. Residential treatment for addiction and mental health has many benefits, and it’s a frequently recommended starting level of care for incoming clients. However, staying at a residential treatment facility can be expensive, often costing thousands of dollars without help covering the costs from an insurance provider or through other means.
It’s also true that not all inpatient programs are the same. Choosing the right inpatient treatment center matters and can make a big difference in your experience. Purpose Healing Center is a trusted mental health and addiction treatment center in Arizona with effective programs covered by insurance.
So, what should you know about getting insurance to pay for residential treatment? This article will provide an overview of residential treatment coverage, including a step-by-step guide to ensuring your residential treatment cost is covered.
Please call our admissions line if you have any questions about insurance coverage or treatment options at Purpose Healing Center.
Does Insurance Cover Residential Treatment?
Yes, insurance companies can help you cover the cost of residential treatment programs for mental health and addiction. In fact, mental health and substance abuse treatment services are classified as essential medical services under the Affordable Care Act, meaning that insurance companies must cover them.
That said, the facilities you’re able to get treatment coverage for mental health and addiction can vary based on your specific insurance plan.
Finding a treatment center that is in-network with your insurance provider will increase your odds of getting residential treatment covered.
Purpose accepts nearly all forms of AHCCCS insurance as well as many private insurance providers, in-network, including many of the following carriers:
- Aetna
- AHCCCS
- AIHP
- Ambetter
- Arizona Complete Health
- Banner Health
- Beacon
- Blue Cross Blue Shield
- Cigna
- Evernorth
- GEHA
- Health Choice
- Humana
- Magellan
- MercyCare
- Molina
- MultiPlan
- TRICARE
- UnitedHealthcare
- among others (please call for exact details)
Purpose Healing Center Takes Most Forms of Insurance
While many treatment centers take a limited number of insurance plans, making it harder to pay for treatment, Purpose Healing Center works with nearly all health insurance policies. These include but are not limited to preferred provider organization (PPO) plans, health maintenance organization (HMO) plans, and Arizona Medicaid plans.
Finding in-network providers shouldn’t be as hard as it often is. We work hard to make treatment accessible and are here to help you find solutions. Our team is also versed in navigating out-of-network benefits as needed.
A Guide to Navigating Insurance Coverage for Inpatient Treatment
Take the following steps to confirm that your insurance plan will cover residential treatment. At Purpose Healing Center, our friendly team is here to navigate the entirety of the insurance verification process and any issues you encounter along the way.
Get Your Insurance Information Ready
Insurance companies tend to have more than one plan. For example, there’s more than one type of Blue Cross Blue Shield plan (one of the many insurances we accept). Sometimes, knowing the name of your specific plan can help with your search.
Whether or not you have the name of your plan, the most important thing you can do is to have your card or card information handy before you contact the treatment center you’re interested in.
If you are unsure, we can help you find out what your insurance plan is called.
Contact Treatment Providers
A treatment facility should be knowledgeable about the insurance process. When you call our admissions line and give us your insurance card information, we’ll be able to run an insurance check for you in a few minutes or less.
Appealing Denied Claims
If your insurance coverage for inpatient treatment is denied, don’t give up. Denied claims are very common, and they do not mean that you will not ultimately get the service you need–whether that’s inpatient rehab in Scottsdale, medication management in Phoenix, detox, or something else.
When you appeal a denied claim, it may be approved. To get more information about why the initial claim was denied, call your insurance provider directly and ask what led to the denial. That way, you can gather everything you need to increase your chance of approval.
Let Purpose Healing Center Help
Letting your treatment center help you with insurance coverage issues can take a lot of stress off of your shoulders. Beyond verifying your benefits, staff members at Purpose Healing Center can assist you in several ways as you navigate insurance coverage for residential inpatient rehab programs.
For example, our team is versed in appealing denied insurance claims for clients and providing information that will help with the approval process. We can talk with your health insurance provider and appeal any claims ourselves to ensure that the process is as streamlined as possible.
Alternative Financing Options for Rehab
There are alternative financing options for people who do not have insurance or are facing high out-of-pocket costs for any other reason. For example, many mental health and addiction treatment centers offer financial assistance (e.g., scholarships) and payment plans.
Please get in touch with Purpose Healing Center today to learn about your options. Here, you will not be turned away automatically due to the type of insurance you hold. Our intake staff will help you find solutions and options for support.
Is Rehab a Deductible Medical Expense? Taxes and Inpatient Care
Inpatient drug rehab and mental health treatment are deductible medical expenses. Tax deductions can help people like you or your loved one save on tax payments.
If you end up paying for inpatient care for substance abuse or mental health challenges in any capacity, including co-pays, be sure to keep track of how much you spend. That way, you will have the number handy when you complete your taxes.
Medications, transportation to medical appointments, and many other expenses are also considered deductible medical expenses.
Benefits of Residential Treatment at Purpose Healing Center
The Purpose Healing Center team is warm and caring, and our living spaces for inpatient clients are comfortable and amenity-rich. In addition to insurance coverage for residential treatment, here are some of the benefits of choosing Purpose Healing Center for treatment.
Distance From Daily Life Triggers
We do not allow drugs and alcohol on-site. This allows you to solidify new routines and practice new coping skills sober and without the risk of relapse, which can be advantageous in early recovery.
Before you leave our residential treatment center, we’ll help you make an aftercare plan to support your continued success, and the strategies you learn in inpatient treatment will help you navigate triggers confidently.
Intensive Therapy and Customized Treatment Plans
Our residential addiction and mental health treatment programs provide intensive therapy schedules. All Purpose Healing Center clients get personalized treatment plans, entailing a combination of evidence-based therapies and related treatments catered to their needs.
Group therapy, individual therapy, family therapy, recreation, medication management (including medication-assisted treatment), and other treatments may be included in your care plan. We also offer recreation, physical activity, creative therapies, Alcoholics Anonymous, Narcotics Anonymous, and holistic treatments.
Dual-Diagnosis Care
About one in four adults with a serious mental illness also face substance abuse.
Purpose Healing Center provides integrated (dual diagnosis) care that treats substance abuse and co-occurring mental health conditions simultaneously, as recommended by extensive research in the field.
A Step-Down Approach
Purpose Healing Center offers a full continuum of treatment options, including medical detox, residential care, partial hospitalization programs (PHPs), intensive outpatient programs (IOPs), and outpatient programs.
Once your stay at our residential treatment facility comes to an end, we’ll likely recommend stepping down to a lower level of care.
Since we take most health insurance plans, you can use insurance to cover any and all of the treatment options we offer. This means that your care with us will be covered and seamless along the way.
Purpose Healing Center also offers free alumni support.
Call Purpose for Inpatient Rehab Covered by Insurance
Insurance coverage for residential treatment can take a major weight off of your shoulders. At Purpose Healing Center, we offer a full continuum of care covered by insurance.
Residential treatment is available at both our location in Phoenix and our campus in Scottsdale, AZ.
Please call our admissions line today to check on your insurance benefits or to learn more about residential treatment at Purpose Healing Center.
FAQs About Getting Insurance to Pay for Residential Treatment
Is anxiety disorder covered by insurance?
Yes. Treatment services for anxiety and other mental health disorders are covered by insurance. Covered services may include but aren’t limited to residential mental health treatment, outpatient treatment programs, outpatient therapy, and psychiatry.
Are mental health issues covered by insurance?
Yes. Insurance companies are required to provide essential healthcare services, including mental health and substance abuse treatment.
Why do insurance companies deny mental health claims?
Insurance companies might deny insurance plans for various reasons, such as a lack of information about the person’s need for mental health care. Upon getting more information from mental health professionals, prescribers, treatment centers, or another applicable point of contact, they may approve the claim.
What is behavioral coverage?
Behavioral health coverage refers to the insurance benefits you can use to cover the cost of mental and behavioral health services. For example, mental health or addiction therapy, medical detox for drug and alcohol addiction, inpatient or outpatient mental health and addiction treatment programs, and medication management.
What is the disadvantage of having insurance pay for mental health treatment?
The main disadvantage of having insurance pay for treatment is that the type of insurance you have will likely limit what providers you can see–or, in the case of residential treatment, what treatment facilities you are able to attend. In some instances, another disadvantage is that an insurance company may only want to pay for residential treatment for a certain period of time (e.g., 30-60 days), even if you’d prefer to stay for longer (e.g., 90 days).
Does Arizona offer free mental health services?
People with Arizona’s Medicaid program (AHCCCS) can often get mental health services covered in full, meaning that they will be free for that person. Your local Department of Health can help you learn more about Medicaid coverage and how to qualify for it.
How do people afford rehab?
Insurance coverage, health savings accounts, crowdfunding, personal loans, financial support from family members, and scholarships or waivers are all ways that people cover treatment. Purpose Healing Center can help you explore your options.
480-579-3319