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Health Net Insurance for Addiction Services by State

Health Net Insurance for Addiction Services by State

Substance Abuse Rehab Services Covered by Health Net in the United States

Health Net Inc. is a health insurance provider out of Los Angeles California, and is an insurance provider for roughly over five million Americans in all 50 states, and in the District of Columbia. Health Nets behavioral health services subsidiary MHN Government Services offers services for mental health, substance abuse, and employee assistance programs to over seven million Americans. There are many different types of plans available at Health Net, such as plans for individuals and families, plans for Medicare beneficiaries, small-group plans, and large-group plans. The health insurance plans for individuals and families are for people who are living in California, Oregon or Arizona. They have trusted and quality provider networks, and a wide variety of plans for individuals, groups, and Medicare beneficiaries. The plans do include mental health services and are accredited by the National Committee for Quality Assurance. Health Net can help its clients find doctors, and a summary of benefits and coverage. Substance abuse will be covered, and it will be important to speak to the insurance provider directly and ensure what is covered, and if it does include substance abuse treatment.

Each insurance provider will cover different amounts, and when an addict is wanting help and insurance is needed to pay; the family should immediately contact the insurance company to inquire about what may be covered. Some insurance policies will cover the entire bill after a deductible, while others may only pay for a portion of the treatment. If you are covered by a policy, and addiction treatment is underwritten, the person will be guaranteed treatment. Drug and alcohol addiction is a major public health concern in the United States, and much of the treatment that is available to people is funded through the state. Unfortunately, there can be long waiting lists with this type of treatment, and many addicts do struggle with getting help right away. Health insurance is a good option to look at, and the different plans provided by Health Net may be able to help families and their loved ones. When someone signs up for health insurance, they will pay a monthly premium, and this goes to ensuring coverage. Most health insurance plans will have deductibles, or an amount that a person must reach, before insurance coverage kicks in. Health insurance will then pay a percentage of the services rendered, while the individual is responsible for the remaining amount.

Close to 23 million Americans suffer from a substance abuse problem in the United States, and roughly 10 to 12 percent of these individuals receive the help they need. There are many barriers that prevent people from getting help, one of the most common ones is financial. State funded drug treatment does help, but many Americans do turn to their health insurance providers to help pay for drug rehab. On average, drug and alcohol abuse cost the American economy over $200 billion dollars each year, and without the right help, an addict will simply spiral down further. Substance abuse rehab is not cheap, but those families or individuals who have Health Net insurance may be able to turn to their insurance provider for the help they need.

Health Net provides coverage for numerous behavioral health services. And Health Net does not require you to receive a referral from a primary care provider. Yet, can work with you if would like behavioral health services not covered by your primary care provider. For example, your plan may cover inpatient hospital services. This is a good option for an addict who is struggling with difficult drug withdrawal. The detox process is the first step and is a difficult one for many addicts.

Inpatient hospital treatment will happen at a local hospital. This will provide around the clock medical care and support. Health Net can cover rural substance abuse transitional agency services, which could be considered a sober living home. When an addict completes some type of drug treatment program a transition process is required. This is done at a sober living home where the recovering addict lives. During this time, they re-build their life and work on achieving their goals. Aftercare treatment such as this is important to maintain long-term sobriety.

Partial care services are offered to clients struggling with addiction. This is supervised day programs, therapeutic day services, and medical day programs. Essentially this can be considered outpatient treatment. Psychosocial rehabilitation is also important such as offering living skills training, health promotion, and supportive employment services. This is often an important part of the aftercare treatment for a recovering addict. There are benefits with having health insurance and it is essential in the United States. The United Census Bureau reported in 2017 8.8% of the population was uninsured. Yet 91.2% of Americans had health insurance.

Private health care was more prevalent than government coverage. Per the same report, 67.2% of Americans had private health insurance. Roughly around 37.7% of the population had government coverage for health insurance. Most of the people who had private health insurance receive it from an employer. This was 56% of the population had employer-based insurance. The 2018 statistics from the Center for Disease Control indicated 65.1% of Americans under the age of 65 had private health insurance. Within this same year, 25.5% of Americans under the age of 65 had public health insurance. Much has not changed with most Americans receiving private health insurance through an employer in 2018.


marcel gemme author

Marcel Gemme

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Marcel Gemme has been helping people struggling with addiction for over 19 years. He first started as an intake counselor for a drug rehabilitation center in 2000. During his 5 years as an intake counselor, he helped many addicts get the treatment they needed. He also dealt with the families and friends of those people; he saw first-hand how much strain addiction puts on a family and how it can tear relationships apart. With drug and alcohol problems constantly on the rise in the United States and Canada, he decided to use the Internet as a way to educate and help many more people in both those countries. This was 15 years ago. Since then, Marcel has built two of the largest websites in the U.S. and Canada which reach and help millions of people each year. He is an author and a leader in the field of drug and alcohol addiction. His main focus is threefold: education, prevention and rehabilitation. To this day, he still strives to be at the forefront of technology in order to help more and more people.