Does Insurance Cover Post Traumatic Stress Disorder (PTSD) Therapy, Counseling and Treatment Programs?

A MISSION FOR MICHAEL

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Persistent mental health conditions can have a significant impact on your everyday life. You may find yourself struggling in academic or professional settings, and within your personal relationships. A Mission For Michael (AMFM) provides therapy and counseling services for those experiencing psychological distress. Locations can be found in California, Washington, and Virginia.

We provide evidence-based and holistic care for those who are experiencing a range of mental health and dual diagnosis conditions, including Post Traumatic Stress Disorder (PTSD). The National Center for PTSD estimated that six in 100, or 6%, of adults in the U.S. will develop PTSD during their lifetime. PTSD symptoms can range from mild to severe, and can benefit from a range of evidence-based practices. We are going to spend time talking about symptoms and common treatments for PTSD, as well as insurance coverage for this mental health condition.

Understanding Post Traumatic Stress Disorder (PTSD)?

Post Traumatic Stress Disorder (PTSD) is a mental health disorder that can occur after you experience or witness a traumatic event. It is important to note that this is an individualized condition, and it is possible to experience trauma and not develop PTSD. Two individuals can experience the same trauma, but have varying reactions to it.

Some of the common symptoms associated with PTSD include flashbacks, nightmares, hypervigilance, anxiety, and negative thoughts and beliefs. For many, this condition affects daily life, including relationships, work, and overall emotional well-being. Traumatic experiences that can trigger the development of this condition include accidents, violence, and natural disasters. Mental health treatment can incorporate holistic approaches for PTSD and evidence-based practices like Cognitive Behavioral Therapy (CBT) and Eye Movement Desensitization and Reprocessing (EMDR) to help you learn to manage your PTSD symptoms.

If you have experienced a trauma, or believe that your current struggles are similar to what we just described, we encourage you to contact AMFM Mental Health Treatment Centers for support and guidance. We can provide you with a free mental health assessment, including professional recommendations for treatment. Dial (866)478-4383 to begin today.

PTSD therapy often includes both evidence-based and holistic approaches to PTSD treatment. This can help you learn to manage your symptoms, reducing the overall level of distress you experience. Treatment can include the use of CBT, EMDR, PTSD medications, and other therapy and counseling services.

Your treatment will likely begin with a comprehensive PTSD screening to understand the symptoms you’re experiencing, and their severity. This allows your clinical team to determine which treatment methods would be the most impactful for you. Your care will focus on learning to cope strategies for PTSD symptoms and building emotional resilience.

There are several health insurance companies that offer insurance coverage  for PTSD treatment. Your coverage may include inpatient or residential treatment, outpatient therapy, psychiatric care, and medication management services. The details of your insurance policy may have specific premiums, deductibles, and other details clarified.

Health insurance coverage for PTSD can include long-term treatment for those who are experiencing chronic and progressive symptoms. Crisis stabilization services may also be included for those who require immediate care and supervision.

How To Check My Insurance Coverage Levels for PTSD Therapy At AMFM

The simplest way to clarify the details of your coverage is to contact AMFM directly. After you complete our insurance verification form, the admission team can contact your insurance carrier and inquire about the details of your plan. We will ask specifically about premiums, deductibles, and copay for your policy. Additionally, we will inquire about required authorizations.

Our admissions counselors will support you during each step of the admission process. We encourage you to ask lingering questions or for clarification. It is important that you understand the details of your coverage so you can make an informed decision about your treatment.

Which Health Insurance Providers Cover PTSD Therapy and Treatment?

Insurance providers like Aetna, Blue Cross Blue Shield, and Cigna are known to offer PTSD coverage. Though the details of your coverage is determined by your plan’s specifics, therapy sessions, PTSD medications, and treatment programs are often included in coverage options for those insured.

In some cases, Medicare and Medicaid can also include coverage for PTSD treatment claims. Contact AMFM today for assistance understanding your coverage, limitations, and exclusions.

Is PTSD Considered a Disability for Health Insurance Claims?

In some cases, it is possible for PTSD to be classified as a disability for insurance purposes. There are strict qualifications that need to be met to receive this classification. As an example, the Social Security Administration requires that you show that you’re unable to maintain employment and care for yourself because of your PTSD symptoms. This is one example of criteria that needs to be met.

PTSD screenings and evaluations are required to reach a proper diagnosis. This allows your mental health professional to complete medical documentation supporting the severity of your condition. You may be able to receive additional support with the use of disability benefits.

PTSD Therapy Programs Covered By Private Health Insurance Near Me

A Mission For Michael (AMFM) provides comprehensive and holistic care for those experiencing a range of post traumatic stress disorder symptoms. With a blend of evidence-based, holistic treatments, and wellness programs, we can help you develop coping strategies for PTSD.  Dial (866)478-4383 to learn about available accommodations and treatment options.

What Options For PTSD Treatment Programs May Be Covered by Insurance?

Health insurance coverage often includes a range of treatment options, catering to the severity of your symptoms. Treatment options can range from an immersive treatment environment to flexible, weekly or biweekly sessions. Examples of treatment programs that can support you as you find emotional healing include:

Insurance Covered PTSD Residential Treatment Programs

Residential treatment programs for PTSD take place in an immersive treatment program that is often included in insurance coverage. These treatment programs consist of supportive counseling and peer support for PTSD. The duration of care can vary, and is based on your individual needs. This level of care is ideal for those experiencing moderate to severe psychological distress.

Insurance Covered PTSD Dual Diagnosis Treatment Programs

Examples of co-occurring disorders commonly found with PTSD include depression, anxiety, substance use disorders, and panic disorder. These are often complex conditions that are intertwined. Dual diagnosis treatment is designed to address both conditions, and is often included in insurance coverage. This can include inpatient and outpatient treatment.

Insurance Covered PTSD Virtual Treatment Programs

In some cases, insurance providers offer coverage for virtual mental health services. This may include individual sessions, group therapy, and medication management services. Telehealth services can decrease some of the barriers for accessing treatment by providing convenient care. Virtual treatment coverage has been increasing in recent years.

Insurance Covered PTSD Outpatient Programs

Outpatient treatment programs are a common component of insurance policies. Outpatient treatment can include weekly or biweekly individual and group therapy sessions. Some providers offer medication management services. These treatment options are ideal for those who are managing their symptoms and experiencing mild to moderate psychological distress.

Insurance Covered PTSD PHPs

Partial Hospitalization Programs (PHPs) are an intensive treatment program that occurs on an outpatient basis. These programs are ideal for those who are experiencing moderate to severe distress, and do not require 24/7 support. This treatment option can serve as a bridge from inpatient to outpatient care. Insurance coverage often includes PHPs, but may require prior authorization.

Insurance Covered PTSD IOPs

Intensive Outpatient Programs (IOPs) are another intensive treatment option. The key difference is that they are more flexible than a PHP and often accommodate work and schooling schedules. IOPs for PTSD are often qualified for insurance coverage. This level of care includes group therapy, individual therapy, psychoeducation, and in some cases, medication management services.

Do Insurance Providers Offer PTSD Insurance Coverage Near Me?

There is a good chance that health insurance providers offer coverage for PTSD treatment providers in your community. This coverage can include inpatient, residential, and outpatient therapy services. This allows you to access support during various stages of your recovery. You can contact your insurance provider directly and ask for a list of in-network treatment providers.

Many mental health treatment centers work with popular insurance companies because the cost of PTSD treatment with insurance is more affordable, which increases access to care. Your insurance plan may have exclusions, or require prior authorization for PTSD treatment.

Does Private Insurance Cover Medications Prescribed for PTSD Therapy?

Private insurance providers often provide coverage for PTSD medications. This may include drugs like antidepressants are often listed on formulary plans. This makes them accessible with co-pays for policyholders. It is important to note that prescription drug coverage can vary, which is why we recommend that you verify your coverage.

PTSD medications may fall under an umbrella policy for mental health, which provides you with easier access to appropriate medications. Some plans operate on an indemnity basis, which means that they reimburse costs after your out-of-pocket payments. Subrogation rights may apply if the medication cost is linked to a third-party peril or loss.

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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. 

    How Much Does PTSD Treatment Cost With Health Insurance Coverage Near Me?

    The cost of PTSD mental health care with insurance is dependent on your policy. Insurance coverage can include some, or most, of the costs associated with treatment. This is, of course, dependent on the details of your policy and which treatment options are deemed medically necessary for you based on your current symptoms.

    If your insurance plan has a copay, you can expect to pay a set fee. This can vary based on the service you’re receiving. You may also have a set annual deductible that needs to be met before you can receive the maximum benefits of your insurance company. For a personalized quote regarding the cost of PTSD treatment with your policy, contact AMFM today.

    How Much Does PTSD Therapy Cost Without Private Insurance Coverage?

    Generally, the cost of PTSD treatment without the use of health insurance is more. Treatment costs vary based on the level of care you receive, your use of specialized services, and available amenities. Inpatient treatment has higher costs than outpatient care due to the immersive treatment environment and intensity of treatment.

    Inpatient treatment can range in cost from $500 to $2,000 per day. Outpatient therapy is generally more affordable. Outpatient therapy sessions can range between $100 to $200 per session, with lower costs associated with group therapy sessions. We encourage you to contact treatment providers directly and inquire about payment plan options that can help make treatment payments more manageable.

    Emotional man talking to a psychologist at a mental health therapy appointment.

    How To Get My Insurance To Pay For PTSD Therapy and Treatment Programs Near Me

    The first step of making sure that your health insurance covers PTSD therapy near you is to verify your insurance. Once you do this, you will know if you are required to obtain a prior authorization before beginning treatment. You may require assistance from our clinical team during this process.

    Next, we encourage you to verify that your treatment provider is in-network and that you have completed the necessary documents. In some cases, your insurance provider may request supporting documents that indicate your current symptoms and support the need for treatment. If you have questions throughout this process, the AMFM clinical team can provide you with the support and guidance you need.

    How Many Times Will Health Insurance Pay For PTSD Therapy and Treatment?

    Insurance policies may have a set number of therapy sessions for each year. With that being said, additional coverage may be available with prior authorization. Mental health conditions are complex, and sometimes require long-term support. In some cases, you may qualify for additional coverage if you can show that continued treatment is medically necessary.

    Verifying your insurance provides you with insight into visit restrictions, annual caps, or therapy types included in your coverage. Mental health parity laws require insurance providers to offer comparable coverage for mental health conditions that they would for medical health conditions. This may increase your access to ongoing mental health care.

    Absolutely! If you do not have health insurance, you can engage in PTSD therapy and treatment and pay out of pocket for the care you receive. Many treatment facilities accept private pay, with some offering sliding scale fees to reduce the costs associated with treatment. Costs can be high, but payment plans are often available to make them more manageable.

    Low-cost mental health care may be available at local nonprofit organizations, community mental health centers, and government programs. To learn more about the personal expenses associated with treatment, contact AMFM today. We can review various ways to pay for treatment, helping you find your ideal treatment program.

    • PTSD is estimated to affect 6% of adults in the U.S. at some point during their life, according to the National Center for PTSD.
    • The World Health Organization (WHO) estimated that 70% of the worlds’ population will experience at least one  traumatic event in their life, though only 5.6% develop PTSD.
    • Approximately 37% of those who are living with PTSD are experiencing  severe PTSD symptoms.
    • Women are twice as likely to be  diagnosed with post-traumatic stress disorder, according to the American Psychological Association (APA).
    • The 2016 World Mental Health Survey Consortium indicated that the most common traumatic event was the sudden death of a loved one. This was especially true in situations that were unexpected and violent.  

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