Insurance Accepted

In-Network Insurance Providers Accepted by 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.

  1. New Directions for Women will verify your insurance coverage and determine if you have the benefit.
  2. New Directions for Women will get authorization for treatment if you or your loved is clinically appropriate.
  3. New Directions for Women will bill your insurance on your behalf.

Will my treatment be covered at New Directions for Women?

New Directions for Women is in-network with many rehab insurance providers which can reduce the cost of the treatment services for the women in our program. Call one of our rehab insurance specialists at (949) 548-5546 and we can verify your insurance and give you more information.

More and more insurance companies are offering supplemental “mental health” and rehabilitation coverage in addition to traditional offerings. Many insurance providers are also now considering “mental health” coverage as a standard part of their holistic health offerings. As many patients receive coverage from their employers, it’s important to note that most employers now consider mental health paramount to overall health. They’re also adding supplemental care such as free counseling sessions and similar perks. Do not let fears about rehab insurance keep you from seeking help for you or a loved one.

How much does addiction treatment cost?

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.

While the cost of rehab treatment can be high, research shows the cost of not receiving treatment — in dollars, lost lives, and ruined families — can be even higher. Our costs are well within or lower than the standard market value. We believe that the benefits of treatment at New Directions for Women far outweigh whatever costs you may incur. Whether your rehab insurance provides full, partial, or no coverage, we are committed to providing great value for patients and seeing their success through to the end.

What are “out-of-pocket” costs?

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 copay requirements. While some plans will only leave a “copay” to the patient, some may have a high “deductible” that leaves patients responsible for 20% or more of the overall cost.

These costs may be subject to change from year to year or depending on what costs have been incurred towards your deductible elsewhere. For example, if you had surgery this calendar year and the cost was $5,000, that may have fulfilled your “deductible” and left you with no more “out of pocket costs” until that amount refreshes in the new calendar year.

While this can lead to confusion, we are committed to making sure that there are no hidden costs. We’ll work with patients and providers to have an accurate idea of the total cost before treatment begins. Keep in mind that treatment can span months or even years. “Out-of-pocket” expenses can also vary greatly depending on outside circumstances.

What is the difference between an “in-network” and “out of network” provider?

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 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.

“In-network” simply means that New Directions is one of the providers that has been included as proprietary with your particular insurance plan. Insurance plans do not cover every single possible location for treatment, regardless of the treatment type. You should check with your provider or research on their website to see if New Directions is “in-network” for you or not. Regardless of network status, we are committed to providing a plan that will provide competitive value for anyone who could benefit from our services.

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 and Affordable Care Act

Also known as “Obamacare,” this act was an important step towards providing treatment opportunities for all Americans. For a patient’s protection, mental health care is listed as one of the 10 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.

While the future of the Affordable Care Act is in jeopardy and President Donald Trump has vowed to repeal it, its stipulations still apply. We hope that whatever comes next will have similar protections for rehabilitation treatment.

The Mental Health Parity and 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 wouldn’t place on other forms of care. We are thankful that more insurance providers are using this legislation to continue expanding mental health and rehabilitation service coverage.

Regardless of your insurance status, there is a treatment plan somewhere for you. While your options are admittedly more limited, you do not necessarily have to have insurance to attend rehab. There are, however, many excellent treatment options for low-income or uninsured individuals.

Many states have treatment centers funded by nonprofits and are only available to those whose income qualifies. Your best option is to contact the specific treatment center you are interested in, along with your insurance provider, to see what plans may be available to you. 

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 today.

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