Is Mental Health Rehab Covered by Insurance?

May 6, 2024

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All major health insurance plans offer coverage for mental health and substance abuse treatment as essential health benefits. Rehab for mental health coverage may include:

  • Inpatient mental health treatment
  • Outpatient mental health treatment
  • Behavioral interventions like counseling and psychotherapy
  • Treating for co-occurring substance use disorders (addictions)

The exact benefits you will receive may vary depending on your state of residence, the specifics of the health plan, and the mental health rehab center.

For a free insurance coverage check, call our friendly inpatient mental health specialists at (844) 522-0050.

How to Find Out if Your Insurance Covers Mental Health Rehab

Determining whether insurance covers rehab for mental health can help people access the care they need without cost complicating the issue. Here’s how to find out if you’re eligible for rehab for mental health with insurance:

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  • Review your policy documentation: Begin by reviewing your policy documents. Look for sections on behavioral health coverage and mental health services or substance use disorder treatment. These sections of the document detail the types of rehab services covered, any restrictions, and whether specific treatments require pre-authorization.
  • Contact your health insurer: Once you are familiar with the specifics of your health plan, call your insurance company. Prepare a list of questions concerning the type of treatment covered, network restrictions, and the pre-authorization process, if applicable.
  • Request coverage details: Ask your insurer for details of deductibles, co-insurance, co-payments, out-of-pocket maximums, and limits on services.
  • Establish the provider network: Ask if your insurance policy covers services only from in-network providers or if out-of-network treatment is also an option. For in-network services, request a list of covered mental health rehab facilities or providers.
  • Reach out to mental health rehab facilities: Contact the mental health treatment centers on your shortlist and ask them if treatment is covered by insurance.

Will My Insurance Cover My Adult Child’s Mental Health Rehab?

Mental health rehabs can accept health insurance from the parents of adult children up to the age of 26 in many cases. This provision is part of ACA (Affordable Care Act), which allows young adults to remain on their parent’s health insurance plan until they turn 26, regardless of their living situation, financial dependence, marital or educational status.

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Can I Take FMLA for Mental Health Rehab?

It is possible to take leave under FMLA (Family and Medical Leave Act) for mental health rehab if you or your immediate family member are dealing with a serious health condition that requires inpatient care or ongoing treatment by a healthcare provider.

To be eligible for FMLA mental health rehab, you must work for an employer covered by FMLA (this includes most public agencies, public and private elementary and secondary schools, and companies with 50 or more employees). You must have worked for the employer for at least 12 months and for at least 1,250 hours over the past 12 months.

Mental health conditions may qualify under FMLA if they call for residential or outpatient treatment by a healthcare provider. This can include conditions such as severe depression, anxiety disorders, bipolar disorder, and other SMIs (serious mental illnesses) that impair professional performance.

FMLA also allows for intermittent leave, which can be particularly useful if you are undergoing ongoing treatment that requires absence from work for periods of time but does not require a continuous 12-week leave.

During FMLA leave, your job is protected, meaning you can return to the same job or an equivalent one with the same pay, benefits, and terms and conditions of employment. Your health insurance coverage continues on the same terms as if you had continued to work.

If you are considering taking FMLA leave for mental health rehab, speak with your HR department about the application process and any required documentation. FMLA provides a way for you to look after your mental health while protecting your job and health benefits.

Will My Employer Know If I Go to Mental Health Rehab?

Your employer will not be specifically informed if you are taking medical leave for mental health rehab. When utilizing FMLA or similar medical leave options, you are required to submit certification from a healthcare provider confirming the necessity of leave due to a serious health condition. This process does not compel you to disclose the specific nature of your condition or treatment to your employer. This means that they will only know that your absence is for medical reasons, without supporting details, safeguarding your privacy regarding mental health rehabilitation.

Most insurance plans offer coverage for inpatient care, including mental health rehab, but coverage details can vary. To understand the extent of your coverage and ensure that you are fully prepared for any necessary treatment, contact our friendly team for an insurance coverage check at 844-759-0999.

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Get World-Class Inpatient Mental Health Rehab at Connections

Inpatient mental health rehab at Connections in Southern California provides an immersive and highly structured environment for whole-body healing.

When you choose inpatient treatment at our luxury beachside facility, you’ll benefit from treatment grounded in the latest psychiatric science, as well as holistic treatments that promote physical and emotional recovery.

We limit intake to six people at one time. This allows you to get personalized treatment while taking advantage of support and accountability from peers to tackle similar issues.

The unique presentation of all mental health conditions is reflected in the targeted and personalized treatments delivered at Connections. These may include medication management, motivational therapies, psychotherapies like CBT and DBT, holistic treatments, and family therapy.

When you’re ready to improve your well-being and restore daily functioning, call Connections at 844-759-0999 for world-class mental health rehab in California.

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