Until recently, most health insurance policies didn't offer coverage for mental health treatment. Many people can't afford to pay for this type of medical assistance out of their own pocket. Fortunately, times are changing. At Capstone Behavioral Health Care Center in Newton, the staff works with current and prospective patients and their insurance companies to interpret and work with the patient's health care plan. Here are 3 things to know about insurance for mental health treatment:
1. Most health insurance policies now cover mental health services. "In the past, most health insurance policies didn't cover mental health treatment, but they do now," said Amanda Johnson, PhD, Director of Capstone Behavioral Health Care. "Legislation like the Mental Health Parity and Addiction Equity Act, and the Affordable Care Act, has changed the requirements for insurers and has improved coverage for mental health and substance abuse services." It's important to understand your policy and what it covers; if you have any questions about what your policy will pay for, contact your insurance company directly.
2. Some services require pre-authorization from the insurance company. "Pre-authorization may be necessary for services like psychological testing," explained Johnson. "Our billing department will assist our patients with obtaining the necessary pre-authorization for any services that require it."
3. For patients that don't have health insurance, there are often other ways to receive funding for mental health services. "There are a variety of regional, state, and local programs that subsidize mental health service costs," said Johnson. "Capstone can also provide a sliding fee scale if patients meet certain income guidelines and don't have access to other sources of funding."
For more information about health insurance coverage for mental health treatment, please contact:
Capstone Behavioral Health Care
1123 1st Avenue E, Suite 200
Newton, Iowa. 50208