Does Health Net Cover Drug and Mental Rehab?
What is Health Net Insurance?
Health Net is an insurance group that covers 5.9 million people across all 50 states through health maintenance organization (HMO), preferred provider organization (PPO), and point of service (POS) insurance benefit plans. There are options for individual, group, Medicare, Medicaid, Tricare, and Veterans Affairs programs available through Health Net. Those seeking behavioral and substance abuse treatment can use MHN, the company run by Health Net that manages these specific coverage needs.
Substance Abuse Health Net Plan
Different plans cover different needs, but Health Net works to maintain affordable insurance coverage for all subscribers. With the Affordable Care Act, Health Net has teamed up with Medicaid to offer subsidies and cost-reduction plans while also offering individual, family, and government plans at fantastic rates. Health Net is accredited through the National Committee of Quality Assurance (NCQA), which is an independent nonprofit organization that evaluates health care plans. Notes from the NCQA scorecard include a Distinction in Multicultural Healthcare and Commendable coverage.
Several options are available to members of Health Net at no additional cost, including:
- A nurse advice hotline
- Discounts for using wellness products and services to maintain health
- Wellness coaching
- Alerts to remind members about immunizations, screenings, and medication safety
- Quit for Life tobacco cessation program
Because this insurance organization is large and serving millions of people across the United States, Health Net offers specific drug addiction and substance abuse treatment services for members. Their goal is to make treatment easily accessible by covering many of the costs and guiding members to high-quality facilities for help. Health Net covers outpatient drug testing, quantitative screenings for diagnosing substance use disorders, and rehabilitation treatment in several ways, depending on the plan.
Behavioral Health Services with Health Net
Health Net is available in all 50 states and the District of Columbia, so choosing a rehabilitation program in a different state is easier than with many other health coverage plans. While some of the costs of this choice may be out of pocket, Health Net representatives will still work with members to narrow down treatment choices to facilities that work the best for each individual. Various forms of aftercare, including ongoing therapy and prescription drugs, will also be covered by Health Net insurance. People who need multiple rehabilitation stays are more likely to receive help and insurance coverage from Health Net compared to other programs.
- Clinical social workers
- Marriage and family therapists
By working with an in-network insurance provider, members of Health Net receive the following benefits:
- Coverage for counselors and therapists who have high-quality education, training, and experience based on Health Net’s unique requirements
- A place to file grievances in the event of problems with the treatment professional and immediate help finding another specialist
- Less money spent out of pocket
Is Health Net Mental Health Covered by Insurance?
Managed Health Network (MHN), a subsidiary of Health Net, provides not just individual and family coverage for mental health services and addiction treatment, but also Employee Assistance Programs (EAPs) and other member-based assistance programs to help businesses get behavioral care for their employees. Overall, MHN provides coverage for outpatient and inpatient assessment and treatment with licensed counselors, psychologists, and psychiatrists. Other options for addiction treatment include:
- Partial hospitalization
- Long-term residential treatment
- Intensive outpatient programs
- Crisis intervention 24/7
- Treatment follow-up assistance and aftercare
To understand the overall cost of treatment while searching for options, MHN offers a treatment cost estimator. This helps a person factor out-of-pocket costs and the extent of coverage into rehabilitation program choices.
MHN uses care managers, who are like case managers, to help their members manage resources and receive the best treatment outcome possible. This helps to ensure that the member follows their doctor’s recommendations, manages prescriptions effectively, and receives crisis intervention and care when needed.
MHN’s Driving Under the Influence (DUI) programs began in 1978. While MHN is a healthcare organization managed by Health Net, the DUI programs help members navigate the legal system around DUI laws and requirements, which may involve enrollment in an outpatient alcohol treatment program or care for another health-related issue. Rather than have a program assigned by the court system, a member can ensure they receive long-term treatment for substance abuse after receiving a traffic ticket by working through MHN’s DUI Program.
MHN manages an online support tool to help those in recovery from substance abuse or mental illness. Called myStrength, this confidential resource provides several self-help options to manage stress and improve mood between care appointments.
How to Get Addiction Treatment Coverage through Health Net
Health Net maintains an online Provider Search tool, which helps to narrow down treatment options based on the type of plan each member has and where they live. Contacting a Health Net representative over the phone can also get a member access to help.
While Health Net and subsidiaries like MHN do not cover 100 percent of every doctor’s visit or therapy session, the organization does cover more aspects of addiction treatment, including a variety of rehabilitation programs, compared to other health insurance companies. Some insurance programs only cover outpatient treatment options or one month of inpatient treatment. These options are not enough to get appropriate medical treatment with evidence-based approaches though. In comparison, Health Net may require some out-of-pocket spending or copays, but the organization covers at least part of several behavioral health treatment options, ensuring that members have access to individual treatment that will promote lifelong health.