Does my health insurance cover treatment for mental health disorders?
Whether your health insurance provides coverage of your mental health treatment depends upon the terms of your plan. You can check your plan’s benefits description or summary of benefits to see if it includes coverage for behavioral health services or mental health and substance use disorders. We can also help you understand the coverage provided by your insurance plan- either complete the form above or contact our Admissions specialists at 888-224-2836 and we are happy to provide a verification of benefits at no cost to you.
What is a co-pay?
A co-pay is a specific dollar amount that your health insurance requires you to pay at each health care visit. The amount of your co-pay may vary based on the type of health care provider you are visiting and whether that provider is in or out of network with the insurance company.
What is Coinsurance?
Coinsurance refers to the percentage of the total charges from your health care provider that you are responsible for paying for your visit.
What is a deductible?
Your deductible is the specific dollar amount that you are responsible for paying to your health care provider(s) for treatment before your insurance company will begin paying for your health care visits. For example, if your insurance plan has a $1,000 deductible, you will need to pay $1,000 in health care costs to your provider(s) before your insurance company will begin paying for your costs. If you are not sure what your deductible is we can perform a free verification of benefits to determine the amount or you can contact your insurance company directly and they will tell you how much your deductible is, what services it applies to, and how much of it has been met.
What is an Out of Pocket Maximum/limit?
An out of pocket maximum/limit is the most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
What does “in network” and “out of network” mean?
If you receive your health care services from a hospital, physician or other health provider (such as The Haven at College) that has contracted with your insurance company, they are considered “in-network.” Hospitals, physicians or other health care providers who do not have a contract with your insurance company may be referred to as “out-of-network.” You may have a higher coinsurance and/or co-pay for treatment from an out-of-network provider. In some cases, out-of-network services are not covered at all. If you are not sure if The Haven is considered in-network or out-of-network with your insurance policy, or what your benefits may be, we can perform a free verification of benefits to determine your out-of-pocket costs.
What if I cannot pay my entire bill?
The Haven at College offers a number of different flexible payment options to assist clients with paying for treatment. If you have questions or would like to set up a payment plan, please call an Admissions Specialist at 888-224-2836 or email info@thehavenatcollege.com.
Insurance is confusing! What if I still have more questions?
If you have questions about billing, insurance or payment arrangements, please contact our admissions line at 888-224-2836 or email info@thehavenatcollege.com and an admissions representative will be happy to assist you.
