Health Net is a business which provides insurance for approximately 6 million people. They work with individual, group, Tricare, Veterans Affairs, Medicaid, and Medicare. Health Net also has a subsidiary called MHN. This subsidiary handles behavioral health services. In combination with this subsidiary, Health Net is able to provide substance use disorder and behavioral health services, along with other programs to more than 7 million individuals. MHN also manage employee assistance services and programs around the United States.
You can buy behavioral health plans on your own or you can use them with the medical plan you obtain from Health Net. There are plans which may include mental health coverage and addiction treatment coverage. However, you may have to follow through with the Health Net rehab network provider guidelines.
Health Net and Rehab Coverage
Some of Health Net’s plans may include coverage for addiction rehab. However, for most people with Health Net Medicaid and Medicare plans it will depend on the regulations of federal and state requirements regarding substance use disorder treatment in the area where they reside. For people who go through a state exchange to obtain their Health Net plan, for instance California, plans, are required to include behavioral health and comprehensive mental health services. This means Health Net plans in certain areas of the country must offer plans which cover substance use disorder treatments. Some of the elements of rehab coverage which may be available for you as a Health Net member include the following:
- Opioid treatment
- Substance use disorder transitional services for rural residents
- Level 1 care for residential treatment centers
- Level 1 care in sub-acute facilities
- Partial care which could include supervised day programs, medical day programs, and therapeutic day programs
- Psychosocial rehabilitation which could include elements such as living skills training
Rehab insurance and mental health insurance from Health Net plans must meet special guidelines of federal mental health parity laws. This means coverage for care related to behavioral health and medical services including substance use disorder can not be more confining than medical coverage.
Mental Health and Health Net
As mentioned previously, there are some mental health services provided by the MHN, a subsidiary of Health Net. Policyholders may obtain a MHN behavioral and mental health plan as an independent option. They can also integrate one of these plans into their Health Net policy.
Many people ask this question: Is Health Net mental health covered by insurance? The Health Net plans do work with a vast network of professional mental health providers. This includes the following:
- Clinical social workers
- Marriage therapists
- Family therapists
You may get other services provided by Health Net related to mental health services as well. The best way to know if a service is provided would be to contact a Health Net representative and ask them directly. You can also search the MHN member website to find providers in your area.
In addition, there are some MHN and Health Net plans which will cover services with out of network providers. However, the company does usually recommend people use a network provider whenever they can.
Behavioral Health and Health Net
Health Net often covers the behavioral health services as long as they fall into the state and federal laws regarding mental health services and provisions related to health insurance providers.
Another question asked by people about Health Net is, does Health Net cover behavioral health services? Some plans do cover behavioral and mental health services, but plans differ in payment responsibility for each one insured. For instance, in Southern California, there are 4 policy levels which include platinum, gold, silver, and bronze. The deductibles, monthly premiums, and and copays vary for each level. An example of this includes, a person who would be held responsible for 10% of the covered services it they have a platinum plan. However, a person with a gold plan would be responsible for 20% of the covered services, this includes behavioral health services.
Our insurance verification team works quickly to verify your insurance benefits to place you into one of our centers as soon as possible. Because of our industry expertise we will be able to verify this information in a timely manner and can advocate for more coverage or more time in treatment. We strive to do this as quick as possible while also maximizing your coverage. Our insurance verification process is of no cost to you and there are absolutely no obligations.
Rehab and Health Net
Health Net medical plans are issued through MHN, they much follow strict federal parity guidelines. This means mental health and substance use disorder service coverages must not be more restrictive than medical care. They must meet the standard of care guidelines.
Another question asked by many people is, does Health Net cover drug rehab? Some plans may cover drug rehab services, but there may be a cost to the insured and the services have to fall under the federal and state guidelines.
If you would like more information regarding Health Net all you need to do is contact a Health Net representative today. They would be happy to assist you with all your questions.
Sunshine Behavioral Health strives to help people who are facing substance abuse, addiction, mental health disorders, or a combination of these conditions. It does this by providing compassionate care and evidence-based content that addresses health, treatment, and recovery.
Licensed medical professionals review material we publish on our site. The material is not a substitute for qualified medical diagnoses, treatment, or advice. It should not be used to replace the suggestions of your personal physician or other health care professionals.