Does Golden Rule Behavioral Health Insurance Cover Mental Health Therapy and Treatment Programs?

A MISSION FOR MICHAEL

13 minutes read
mental health doctor holding hand of patient while giving psychological support to her during therapy

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It is estimated that 21% of adults living in the United States are experiencing a mental health condition. Symptoms can range from mild to severe, affecting your relationships, career, and overall emotional well-being. A Mission For Michael (AMFM) provides individualized treatment within a residential treatment facility. AMFM Mental Health Treatment Centers are located in California, Washington, and Virginia.

We provide customized treatment options for a range of mental health disorders including mood disorders, trauma-related disorders, bipolar disorder, and more. With a comprehensive lens, our treatment incorporates the different ways that your mental health has affected your life, promoting long-term recovery and wellness. Medical insurance can play a vital role in accessing mental health treatment for psychiatric conditions. Golden Rule Behavioral Health Insurance can provide you with health benefits for mental health disorders. We are going to review common components of their healthcare coverage and discuss how it can help you access wellness and mental health treatment.

What Does Golden Rule Insurance Cover for Mental Health Therapy Treatment?

Golden Rule insurance coverage may include healthcare coverage options for mental health treatment and therapy services. Your health benefits are based on the details of your health policy and current mental health needs. Coverage may include both inpatient and outpatient programs, in addition to psychiatric care and medication management services in some cases.

If you would like personalized support in understanding the details of your health policy, we encourage you to complete the AMFM insurance verification form. This gives us the necessary information to contact your health insurance provider and learn about the scope of your coverage.

The Golden Rule Insurance Agency has provided insurance options for over 20 years. It serves members in the Lake of the Ozarks and surrounding communities. This is a family-owned and operated insurance agency, a detail that sets it apart from many of its competitors.

Golden Rule is unique because it provides a range of services and insurance options. In addition to health insurance, Golden Rule offers auto insurance, home insurance, life insurance, business insurance, and personal umbrella insurance policies.

Common components of health benefits with the Golden Rule include:

  • Individual and Family Health Insurance
  • Dental Coverage
  • Vision Coverage
  • Supplemental Insurance
  • Medical Expense Insurance
  • Prescription Insurance and
  • Health Service Accounts (HSA)

Behavioral health insurance can provide you with healthcare coverage for appropriate treatment services. Health plans generally provide coverage for some, if not most, of the expenses associated with therapy sessions and other treatment options. This can significantly lower your out-of-pocket expenses, decreasing barriers keeping you from accessing treatment.

Some health insurance providers offer health care policies for behavioral and mental health coverage. Your health policy likely has details regarding your healthcare coverage within it. Health plans commonly have limitations or exclusions regarding using health insurance network providers, which can impact who you receive care from. Additionally, you may have out-of-pocket expenses in the form of health insurance premiums, deductibles, and copayments. 

Those who have been experiencing continued, or worsening mental health symptoms, are encouraged to contact AMFM Mental Health Treatment Center for a confidential and free mental health assessment. We can then review appropriate treatment options with you, helping you access the care you need.

Millions of Americans are affected by mental health disorders, with young adults and women facing particularly high rates. The National Institute of Mental Health (NIH) reports that 15.4 million U.S. adults live with serious mental health conditions, while Johns Hopkins Medicine estimates 18% of adults aged 18–54 experienced an anxiety disorder within the past year.

Common psychiatric conditions in the U.S. include anxiety disorders, depressive episodes, PTSD, bipolar disorder, OCD, and schizophrenia spectrum disorders, according to the National Alliance on Mental Illness (NAMI). Despite these challenges, 10% of adults lack mental health coverage, and in 2019 alone, the CDC recorded 57.2 million physician visits related to psychological concerns. Additionally, depression is the leading cause of disability in the world.

An estimated 60% of adults who are experiencing a mental health disorder in the United States do not receive the treatment they need to improve their emotional well-being. The economic impact of mental illnesses in the U.S. is around 193 billion dollars, which highlights the importance of access to comprehensive mental health treatment.

Checking My Golden Rule Health Insurance Policy Coverage at AMFM

If you would like to learn about the details of your health policy with Golden Rule Health Insurance, we encourage you to complete the AMFM insurance verification form. This provides our admission counselors with the information they need to learn about the scope of your coverage and how it applies to your mental health needs.

We will inquire about limitations and exclusions associated with your health policy, as well as require prior authorizations. For personalized support, call us today to learn about what the Golden Rule covers for mental health treatment and therapy.

Does Golden Rule Insurance Cover Mental Health Treatment Near Me?

Golden Rule health plans typically provide healthcare coverage for mental health treatment and therapy. Your mental health benefits can vary, but they can include coverage for inpatient treatment, outpatient care, and psychiatric coverage. Golden Rule Insurance offers individualized health plans, which means there may be variations in your coverage.

As an example, your health policy may be subject to out-of-pocket expenses in the form of health insurance deductibles, premiums, and copayments. You may also be required to work with mental health professionals within your health insurance network, as there may be limitations or exclusions for out-of-network providers. Additionally, it may be necessary to obtain prior authorization before engaging in treatment. This can help ensure a smooth health insurance claims process.

Therapy Programs Near Me That Accept Golden Rule Health Insurance

A Mission For Michael (AMFM) has multiple top-rated mental health treatment centers. We provide individualized care that combines evidence-based practices, holistic therapies, and wellness programs for moderate to severe mental health conditions. We invite you to speak with an admission counselor by dialing (866)478-4383 and discussing your mental health needs and goals.

Mental Health Treatment Programs Covered by Golden Rule Insurance

Mental health therapy and treatment programs are available in a range of intensities and durations. This allows for personalized care, based on the severity of your psychiatric conditions. Golden Rule covered therapy near you can range from inpatient care to outpatient treatment. Continue reading for a brief overview of different treatment programs.

Golden Rule Behavioral Coverage for Inpatient Treatment Programs

Inpatient treatment programs provide around-the-clock care for moderate to severe mental health disorders. Treatment can include a range of psychotherapy techniques and mental health support options. The goal of these programs is to learn coping strategies, improve cognitive functioning, and stabilize your symptoms. Psychiatric care and medication management services may be used in some cases. Golden Rule health benefits typically include inpatient treatment when it is medically appropriate. Your plan may have out-of-pocket expenses in the form of health insurance copayments, deductibles, and premiums.

Golden Rule Behavioral Coverage for PHPs

Partial Hospitalization Programs (PHPs) are an outpatient treatment option that offer a full day of intensive treatment, most days of the week. These programs can include learning stress management skills, self-care practices, and other coping strategies to improve your psychological health. PHPs can help you access mental health resources within your community and provide medication management services when needed. Golden Rule Behavioral health plan options typically include coverage for PHPs. Your plan may require that you get prior authorization for your health insurance claims.

Golden Rule Behavioral Coverage for IOPs

Intensive Outpatient Programming (IOP) can provide you with intensive treatment, while allowing you to attend work, schooling, and tend to other responsibilities. IOPs have a strong focus on group therapy, with additional time allotted for individual therapy and psychiatric care in some cases. IOPs can vary in frequency, allowing for customization. Holden Rule behavioral insurance health coverage can include IOP treatment. Your healthcare plan may require prior authorization before engaging in treatment.

Golden Rule Behavioral Coverage for Outpatient

Outpatient treatment is a customizable treatment option that can include individual therapy, group therapy, medication management services, or a combination of more than one service. This allows you to receive personalized care throughout your recovery. Outpatient care can vary in length and duration. Golden Rule behavioral insurance health plans typically provide coverage for outpatient treatment. Your healthcare policy may have out-of-pocket expenses, such as health insurance copayments, deductibles, and premiums.

Which Mental Health Disorders Does Golden Rule Insurance Cover?

Golden Rule policyholders can generally access mental health treatment and therapy for a range of mental health disorders. This includes additional differences in the symptoms you experience and their severities. The following list can provide insight into covered psychiatric conditions, though this list is not exhaustive. 

Post Traumatic Stress Disorder (PTSD) can develop for some after a traumatic event. You can experience flashbacks, nightmares, hypervigilance, avoidance symptoms, and irritability. PTSD can range from mild to severe, and can significantly affect your day-to-day life. Treatment commonly includes therapy sessions, psychoeducation, and medication management services. 

Golden Rule behavioral insurance typically provides coverage for PTSD treatment, including both inpatient and outpatient care.

Psychosis is known for causing a separation from reality. This can include symptoms like delusions, hallucinations, and disorganized thinking. Active psychosis symptoms can significantly affect your functioning and often require psychiatric care. Crisis interventions and inpatient care are common treatments for symptoms that can occur as a complete at of schizophrenia, delusional disorder, and severe mood disorders. 

Golden Rule behavioral insurance health coverage typically applies to treatments required for psychosis symptoms. 

Depressive symptoms can range from mild to severe. You can experience fatigue, loss of pleasure, low mood, isolation, and low motivation. This can affect your academic and work performance. Common treatments for depression symptoms include medication management services, psychoeducation, and therapy sessions. 

Your Golden Rule healthcare policy can include healthcare coverage for a range of depression symptom treatments. 

Attention-Deficit/Hyperactivity Disorder (ADHD) is known for causing inattention, hyperactivity, and impulsivity. These symptoms can range in severity, affecting your personal and professional life. For many, ADHD symptoms can be traced back to childhood, and continue through later stages of life. Treatment for ADHD typically includes behavioral therapy and medication management services.

Golden Rule health coverage often includes treatments commonly used for ADHD treatments. Your policy may require prior authorizations or have associated limitations and exclusions.

Anxiety symptoms often include persistent worry, fear, and panic in some cases. Anxiety disorders can range in symptoms and severities. This includes generalized anxiety disorder, social anxiety disorder, and panic disorder. Commonly used anxiety treatments include Cognitive Behavioral Therapy (CBT), psychotherapy techniques, and medication management services.

Health plans with Golden Rule Insurance can provide you with coverage for anxiety treatments. This can include inpatient and outpatient care, depending on the severity of your symptoms.

Borderline Personality Disorder (BPD) is a chronic condition that is often fueled by an intense fear of abandonment. Those living with BPD may experience intense emotions, impulsivity, and a history of unhealthy relationships. BPD treatment can include therapy sessions, and medications to treat specific symptoms like depression and anxiety.

Your Golden Rule health policy may include coverage for BPD treatments.

Cyclothymia and bipolar disorders can cause intense mood shifts. This may include manic, hypnotic, or depressive episodes. Treatment for mood disorders depends on your symptoms and their severity. This can include crisis intervention services, inpatient, and outpatient treatment. Medication management services are commonly incorporated into mood disorder treatments. 

Healthcare coverage with Golden Rule typically includes coverage for bipolar disorder and Cyclothymia. 

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    Find out about our free assessments and admissions process

    We accept most major insurance providers and can check your coverage levels for you.

    If we are not an appropriate provider for care, we will assist in finding a care provider that can help. 

    Does Golden Rule Insurance Cover Dual Diagnosis Treatment Near Me?

    Health coverage provided by Golden Rule Health Insurance often includes coverage for dual-diagnosis conditions. This refers to comprehensive care for those struggling with more than one mental health condition. The National Institute of Health (NIH) reported that 25% of those living with a mental health disorder have a co-existing psychiatric condition.

    It is important to note that your health policy will specify your specific coverage rates and out-of-pocket expenses. Health insurance open enrollment is typically available once per year, which allows you to inquire about health insurance quotes. If you’re interested in exploring alternative health plans with Golden Rule, you can look at their different health plan options during health insurance enrollment periods.

    Psychologist writing notes during a mental health therapy appointment.

    How Much Does Golden Rule Cover for Therapy and Treatment Facilities?

    The cost of mental health therapy and treatment with health coverage, like Golden Rule Insurance, often has reduced costs. There are price differences between different treatment programs, especially residential and outpatient treatment programs. Medical insurance can reduce the cost of treatment significantly.

    There are individual differences in health care policies, which affect your out-of-pocket expenses. Some of the differences that you can experience with your plan include health insurance copayments, deductibles, and premiums. Your health benefits may also have limitations or exclusions and require prior authorization.

    Golden Rule Health Insurance policies can vary widely and may include annual session limits. Due to individual plans, we would need to review your policy to provide you with insight into limitations or exclusions associated with your healthcare coverage. For those who require support beyond their annual allotment, AMFM can help you request prior authorization for coverage.

    If you’re unable to receive additional coverage, we can review our different payment methods. Though payment options can vary, you may be able to access payment plans and sliding scale fee options. Contact AMFM today for personalized support.

    • The National Institute of Mental Health (NIH) indicated that 15.4 million adults in the United States are living with a serious mental health disorder. Rates are higher among women and adults between the ages of 18 and 25.
    • According to the National Alliance on Mental Illness (NAMI), the most common psychiatric conditions in the U.S. are anxiety disorders, depressive episodes, PTSD, bipolar disorder, borderline personality disorder, OCD, and schizophrenia spectrum disorders, respectively.
    • An estimated 10% of adults in the U.S. do not have health coverage for mental health treatment with their health insurance provider.
    • An estimated 18% of adults between the ages of 18 and 54 were living with an anxiety disorder in the last 12 months, according to Johns Hopkins Medicine.
    • The Centers For Disease Control and Prevention (CDC) indicated that 57.2 physician visits in 2019 were related to a  psychological health concern.

    Check if your health insurance will cover the cost of mental health treatment.