In-Network Insurance Providers Contracted
with New Directions for Women
New Directions for Women is an in-network provider for most insurance providers including Cigna, Optum, Beacon Health Options, Magellan (Blue Cross, Blue Shield, and Anthem), and MHN (Health Net). Because we are in-network, it allows our clients to utilize their insurance at a predetermined rate negotiated on your behalf by your insurance provider. Having Insurance coverage does not always mean your policy will allow you addiction treatment services. To find out the process is actually quite simple.
- New Directions for Women will verify your insurance coverage and determine if you have the benefit.
- New Directions for Women will get an authorization for treatment if you or your loved is clinically appropriate.
- New Directions for Women will bill your insurance on your behalf.
New Directions is Proudly Contracted with the following Insurance Companies
Frequently Asked Questions
New Directions for Women is in-network with many insurance providers which can reduce the cost of the treatment services for the women in our program. Call one of our insurance specialists at (800) 939-6636 and we can verify your insurance and give you more information.
The costs for our treatment at New Directions for Women will vary depending on the individual woman and what her needs are. Some of the factors that determine this include the level of care, type of addiction, if detox is necessary and the duration of treatment needed. For all women using their in-network benefit, this price has been predetermined by your insurance company and you will only be responsible for “out of pocket” cost.
The “out of pocket” cost is a term used to describe the amount of money that the patient will pay on their own after the insurance is applied. Every insurance policy is different, which means the “out of pocket” amount will vary depending on the person’s individual plan. Usually this covers what is left on your deductible and any co-pay requirements.
New Directions for Women works with both “in-network” and “out of network” plans. When a provider is “in-network” like we are, that means the insurance company has approved of New Directions for Women as a provider to deliver services to the members of their plans. Also, there is a rate that has been negotiated and applies to the members who go through our addiction services. An “out of network” provider has not been contracted with for a rate to deliver services to the members of their plans. It is rare for us not to be contracted, but on those rare occasions, we work with the family and insurance provider to offer treatment and work with both on the payment arrangement.
Substance Abuse and Mental Health Coverage
In the last decade or so, Federal legislation has expanded the availability of substance abuse and mental health coverage for patients. Specifically, the two major laws are as follows:
The Patient Protection & Affordable Care Act- For a patient’s protection, mental health care is listed as one of the ten health benefits that all plans in the exchange must cover. The Affordable Care Act specifies that insurers might not place spending limits on annual or lifetime amounts in the plan. A plan that is purchased with your state should provide coverage on substance abuse or mental health services.
The Mental Health Parity & Addiction Equity Act– This 2008 law ensures that insurance companies that are covering substance abuse or mental health services may not treat those benefits in a different way, or less favorably than other surgical or medical benefits. Specifically, this means that insurance companies may not enforce lifetime or annual payment limits on mental health care that they would not place on other forms of care.
If you or a loved one is looking for addiction treatment services for women and you have a question about insurance or our services, please contact us at (800) 939-6636 or fill out our contact form.