Insurance for mental health treatment

Navigating the financial details of mental health benefits can be daunting. We understand that clarity is vital when seeking care. Capella Recovery Center is committed to simplifying this process by providing expert guidance on what to expect when utilizing your health insurance for inpatient treatment. Our team will answer all questions regarding our methodology and the entire process.

Verify your insurance

We accept most major insurance plans at Capella Recovery Center. To check your benefits, please fill out the form below. After you submit it, one of our admissions team will call you to finish your pre-assessment.

First Name

Last Name

Patient's Date of Birth

Phone

Insurance Provider

Member ID Number

Provider Contact Number

Primary Policy Holder's First Name

Primary Policy Holder's Last Name

Primary Policy Holder's Date of Birth

By submitting this form, I agree to be contacted by Capella Recovery Center at the phone number provided above, including my wireless numbers if provided. We won’t sell your information and will treat your information in accordance with our privacy policy.

The importance of health insurance

Health insurance is advantageous for accessing mental health treatment. Coverage that includes behavioral health can remove financial barriers, allowing patients to receive the clinical oversight crucial for recovery. While individual coverage and associated costs vary, insurance often makes life-changing therapeutic care attainable and more affordable. Keep in mind most plans still require deductibles, copays, out-of-pocket max, exclusions, and a medical necessity review.

Types of insurance for mental health treatment

Several types of plans may cover behavioral healthcare services, including policies secured through the Health Insurance Marketplace, employer-sponsored plans, Medicare, and Medicaid. It is important to note that specific coverage amounts, deductibles, and approved provider networks differ significantly based on your plan details and insurance provider.

Using insurance for mental health treatment

Many insurance policies include provisions for mental health disorders, extending coverage to services such as residential treatment, Partial Hospitalization (PHP), Intensive Outpatient (IOP), and medication management. Since every policy is unique regarding covered services and requirements for approval, Capella Recovery Center will validate your benefits and carefully explain your inpatient coverage as it specifically applies to our facility. We are dedicated to delivering full clarity before admission.

Frequently asked questions

How do I know if Capella takes my insurance?

To verify coverage, contact our admissions team or submit an insurance verification form. We will promptly analyze your policy and inform you of your options, providing clarity and peace of mind.

Will insurance cover all the costs of treatment?

Coverage amounts vary with every policy. Some plans may pay for the majority of costs, while others may require copayments, deductibles, or specific out-of-pocket expenses. Our team will meticulously review your benefits and clarify any known costs before patient admission.

What if I do not have insurance or my coverage is limited?

If you are uninsured or your plan does not cover treatment with us, please ask our admissions team about cash-pay options, financing plans, or alternative resources that may help you access the essential care you need.

How quickly can you verify my mental health benefits?

We prioritize insurance verification due to the urgency of seeking care. Our team provides detailed information about your mental health coverage, generally within a single business day.