When the Affordable Care Act went into effect in March of 2010, it declared that healthcare providers must cover the cost of addiction treatment. After all, drug addiction is a disease. Alcoholism is also a disease. So, treatment is considered an essential health benefit.
Under the ACA, all essential health benefits are covered by insurance. This includes mental health, behavioral health, and substance abuse problems.
These guidelines have helped countless addicts to get the treatment they need. It allows drug users and alcoholics to attend detox and rehab programs that they otherwise might not be able to afford.
Unfortunately, however, the ACA may not cover treatment for very long. The future of public healthcare is up for debate. So, it’s unclear how long addicts will have access to free treatment.
Fortunately, there are plenty of other options. Among them is the Mental Health Network (MHNet) Behavioral Health Insurance Program. This provider is among the many who value addiction treatment and helps its clients pay for rehab.
MHNet is a health insurance provider designed specifically for people with ongoing mental health issues. These issues may include an atypical mental condition, a behavioral problem, or a history of substance abuse.
It’s a popular choice within the addict community. This is largely due to the fact it partners with hundreds of detox centers and rehab programs to provide low-cost, low-deductible addiction treatment.
Don’t forget: rehab can be expensive. If an individual lacks proper coverage, they might pay unbelievable amounts of money for detox and rehab. By enrolling in MHNet or a similar plan, addicts are able to offset some of the costs.
Every addiction treatment center has a “network” of insurance providers. If a provider is in the center’s network, this means that addicts can use that provider’s insurance to get free or discounted treatment.
At Northpoint Washington, for example, MHNet Behavioral Health Insurance is an in-network plan. Therefore, individuals who have insurance through them are able to use their plan at our facility. We’ve negotiated a contract with the company that ensures they’ll pay us a given rate whenever one of their members enrolls in our program.
Out-of-network providers, on the other hand, are not part of our network. These providers have not pre-negotiated a contract with us. Therefore, a fair rate must be determined on a case-by-case basis.
Is your insurance provider in our network? Click here to find out.
When a potential patient has an out-of-network plan, we can still provide treatment. However, they may be required to pay more money for our services. Ultimately, it depends on whether or not the insurance provider is willing to pay the cost of enrollment at our center.
Sometimes, providers may recommend alternatives if they are not in the network of a particular facility. For example, if a patient is interested in Northpoint Washington but their insurance provider is not in our network, the provider might refuse to pay for treatment here. They may refer the addict to a different facility. In that case, the patient must decide whether to foot the bill and pay for rehab or go somewhere else for free.
We are always happy to discuss payment options. We’re also happy to give addicts our honest opinions on treatment. It’s our goal to help every addict get the best, most affordable care.
MHNet works much like other insurance plans. Members pay an annual fee for coverage. Some members receive it through their employers. Others enroll in a plan on their own.
When they need medical treatment, MHNet covers the bill. Sometimes, they cover the entire bill. Other times, they cover just some of the bill. In those cases, the patient is responsible for paying the difference.
When it comes to addiction treatment, addicts must follow a very specific process. It usually looks something like this:
Looking for a good rehab program? Here are The Best Drug Rehab Centers in Washington State.
Like most insurance plans, an MHNet Behavioral Health Plan ranges in price. Members build a plan depending on their needs and pay for each service.
If a member knows that they may require addiction treatment in the future, they’ll elect to pay for that service ahead of time. If they have a history of mental illness and require psychiatric medicine, they’ll enroll in a plan that covers the cost of those meds.
According to the company’s Provider Guidelines, members pay an annual deductible fee of $2500 at the very lowest. This covers the bare necessities (check-ups with a primary care physician, etc). The more services a member needs, the higher their deductible increases.
It’s always hard to choose the right insurance plan. After all, one doesn’t necessarily know what type of services they’ll need in the future. But, MHNet is intended for patients with a history of mental health and behavioral issues. So, it’s slightly easier for members to determine the types of treatment they need.
Copayments are required when a patient’s plan does not cover the entire cost of the treatment they receive. For example, an insurance provider may cover 99% of the bill for a check-up but require the member to pay the remaining 1%. This is a common practice among health insurance companies.
With MHNet, patients may be required to pay a copayment for detox and rehab. The Network will notify them of their co-payment when they enroll. The patient should also receive a notice from the company before they check into a rehab program. The notice will let them know how much they’re responsible for paying.
Typically, patients don’t have to pay the copayment on the spot. They’re usually billed through the mail. That way, they can pay the bill later on.
The Mental Health Network covers a wide range of behavioral health services. As an insurance provider, it’s their goal to help every member get the treatment they need.
They cover a wide range of addictions, including:
If a member is addicted to any substance that can potentially harm them, MHNet will most likely cover their treatment. They’ll pay for detox, rehab, and possibly even therapy.
In some cases, the addict may have to cover some of the bills. Ultimately, it depends on which MHNet plan they’re enrolled in. If they elected to pay for a service when they enrolled with the Network, then the network will pay for that service.
Many addicts need treatment for co-occurring disorders. This diagnosis is given to people who suffer from both addiction disorder and an additional mental illness.
Some of the most common co-occurring disorders include drug or alcohol addiction mixed with:
When an addict suffers from a mental health disorder, they require special treatment. They may need medication or a condition-specific type of therapy. Sometimes, this causes an increase in the cost of rehab.
Luckily, MHNet and other insurance providers cover the cost of these treatments. Usually, these conditions are covered as essential health benefits. In some cases, they may also be covered as medically necessary treatments.
Addiction treatment is expensive. Luckily, providers like MHNet can offset some of the costs.
Detox and rehab can be expensive. The exact fee varies from facility to facility. But, some patients pay several thousand dollars for a month-long stay in a treatment center. If they double the length of their stay or live in a sponsored sober house afterward, they’ll pay even more.
There are several factors that determine the exact cost of treatment. Some of these factors include:
Type of rehab: There are several distinct types of rehab programs. Some programs are inpatient-based. These are residential facilities where the addict lives while they get sober. Typically the addict stays in the facility for around 28 days. This type of rehab is generally more expensive than outpatient, or non-residential treatment.
Treatment offerings: Every rehab center offers different types of treatment. Some provide basic, one-on-one therapy while others offer a wide range of therapy options. If an addict requires Cognitive Behavioral Therapy (CBT), for example, they’ll have to attend a facility that offers that service. Unfortunately, additional services increase tuition because the organization has to pay for professionals who can provide that service.
Program size: Most rehab centers limit their enrollment. This gives each patient access to maximum care. Unfortunately, some facilities are larger than others. Small ones tend to charge more money in order to cover their costs. Large programs are able to charge less because more patients bring in higher revenue.
Program location: There are treatment centers in nearly every corner of America. There are rehab programs in Washington, California, New York, and every other state you can think of. Some people prefer to leave their hometown for rehab. This can be beneficial, but travel costs increase the price.
Amenities: Some patients would prefer to attend a luxury treatment center. They want access to state-of-the-art fitness centers, swimming pools, and buffet-style cafeterias. Those types of rehab centers exist. But, they tend to be more expensive than other, more modest programs. If an addict wants to enroll in a luxury-style rehab program, they should be prepared to pay a lot of money.
Insurance coverage: As this article discusses, insurance has an enormous impact on the cost of detox and rehab. If an individual has state or private insurance coverage, they can usually get addiction treatment for relatively little money. If they are uninsured, they may not be able to get treatment unless they attend a free treatment program.
Are you a member of the Mental Health Network? You may qualify for free detox and rehab at Northpoint Washington!
Northpoint Washington and MHNet Behavioral health work together to provide affordable treatment for drug addicts and alcoholics. If you are enrolled in an MHNet Insurance plan, you may be eligible to receive free or low-cost treatment.
Our program is among the best in all of Washington State. We provide high-end detox services and inpatient rehab for people who suffer from drug addiction and alcoholism.
It’s our goal to give you the help you need. Call us today if you’re ready to start your recovery journey.