Do Mental Health Residential Therapy and Treatment Centers Take Health Insurance?

A MISSION FOR MICHAEL

9 minutes read
Psychiatrist writing notes while having therapy session with a patient.

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. 

Persistent mental health concerns can interfere with your ability to manage your responsibilities and care for yourself. We would like to introduce you to A Mission For Michael (AMFM). With residential treatment in California, Washington, and Virginia, we provide care for those experiencing moderate to severe mental health conditions.

Our treatment programs focus on supporting those with mental health disorders, including dual-diagnosis conditions. This includes mood disorders, bipolar disorder, personality disorders, and trauma-related disorders. We have delicately blended wellness programs, holistic approaches, and evidence-based therapies to provide whole-person care. To learn about the benefits of residential recovery programs, we encourage you to continue reading. We will also review how insurance can help make treatment affordable and accessible.

What is a Mental Health Residential Therapy and Treatment Program?

Residential mental health programs provide live-in treatment for those who are experiencing moderate to severe, or complex mental health conditions. You’ll have access to professional care and guidance 24/7 while living in a nurturing and supportive environment. These programs differ from inpatient treatment because they do not take place in a hospital setting.

Residential mental health programs can include a range of therapeutic interventions and strategies. This includes group therapy, individual therapy, psychoeducation groups, and holistic approaches. Recovery residences allow you to connect with others who are also experiencing persistent or worsening symptoms, which can be a validating experience for those who have been isolated from others. The duration of full-time recovery programs is dependent on the severity of your symptoms and your treatment needs. As an example, those who require specialized care like dual diagnosis care or medication management services, may require additional support.

If you have been experiencing severe, or persistent mental health concerns, we encourage you to contact A Mission For Michael (AMFM) for your confidential and complimentary mental health assessment. Our admission counselors will explore your symptoms and level of functioning to determine if an in-house treatment program is a good fit for you. Dial (866)478-4383 today to begin.

Your policy may have set out-of-pocket expenses in the form of premiums, deductibles, and copayments. Insurance coverage begins with the underwriting process. During this time, insurance companies assess the risks of providing coverage for certain mental health conditions. This contributes to exclusions and limitations that may be noted within the details of your policy.

When your symptoms require treatment that is outside the limits of your policy, you may be able to get an endorsement to expand your coverage limits. An umbrella policy can provide you with additional coverage, though you may still be responsible for copayments and deductibles.

Does Health Insurance Cover Residential Treatment Near Me?

Yes, there is a good chance that health insurance covers residential therapy near you.  Coverage for insured members is determined by the details of your insurance policy. You may be required to work with in-network providers or obtain prior authorization before engaging in treatment.

Details that may affect your coverage include limitations, exclusions, and session caps. For assistance understanding coverage for residential treatment centers, contact AMFM today for support and guidance.

How Much Does Mental Health Residential Treatment Cost With Insurance Support?

The cost of residential mental health care with mental health insurance coverage is dependent on the details of your policy, and your treatment program. Your insurance may have specific copayments, deductibles, and premiums that need to be met to receive full coverage. Insurance can cover a significant portion of the cost of live-in treatment, significantly lowering financial barriers to treatment.

Other factors that can affect the cost of care include the duration of care and the use of specialized services like psychiatric care and residential dual diagnosis treatment. If you would like to discuss residential insurance coverage near you, call (866)478-4383 to speak with an admission counselor today.

Residential Mental Health Treatment Centers That Take Health Insurance Plans Near Me

A Mission For Michael offers holistic residential treatment programs for those experiencing severe mental health conditions. We offer a range of therapeutic approaches, wellness programs, and holistic treatments for whole-person care. Dial (866)478-4383 to learn more about our accommodations and supportive living environments.

How Much Does Mental Health Residential Treatment Cost Without Insurance Coverage?

The cost of residential recovery programs is determined by the duration of treatment, the location of the recovery residence, and your access to high-end amenities. Additionally, those who engage in dual diagnosis care may have additional costs due to the complex nature of these conditions. Without insurance, full-time recovery programs can cost between $500 and $2,000 per day.

This can make your expenses vary greatly. Contact AMFM today for personalized support regarding the cost of residential therapy programs.

How To Check My Health Insurance Coverage for Residential Treatment at AMFM

To learn about the details of your insurance policy, we encourage you to complete our online insurance verification form. This allows us to contact your insurance carrier and confirm your insurance benefits. We will inquire about your out-of-pocket expenses, limitations, exclusions, and session caps.

This service is complimentary and allows you to have professional support as you navigate the admission process. It can be challenging to understand the details of insurance policies, especially formal documents. You may come across terms that you’re unfamiliar with like indemnity, actuary, and subrogation. Dial (866)478-4383 today for personalized support.

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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 To Get My Insurance Plan To Pay For Mental Health Residential Treatment Near Me?

    We recommend verifying your insurance coverage first to better understand the scope of your coverage. You can then choose a treatment provider accordingly. You may be required to obtain prior authorization or submit medical documents before starting your treatment episode. These are important details to be aware of and can help ensure that your claims are processed smoothly.

    If necessary, your treatment provider can help you obtain the necessary authorizations and approvals for treatment. Additionally, if your claim is denied, AMFM admission counselors can support you through the appeal process. Contact us today to learn how to maximize your insurance benefits.

    Psychiatrist writing notes while having therapy session with a patient.

    How Many Times Will Health Insurance Pay For Mental Health Residential Treatment?

    Some health insurance companies have a cap on the number of treatment episodes or the duration of treatment. One of the reasons for this is to ensure the care you receive is medically necessary. Some benefit from long-term residential care when they haven’t been able to manage their symptoms after a traditional residential mental health program.

    With that being said, mental health conditions are different for everyone. These conditions can be triggered or worsened by unplanned events and experiences, which can require additional treatment. If your insurance plan has an annual treatment cap, AMFM can help you explore options for additional coverage. This may include a prior authorization or requesting an extension for coverage. Dial (866)478-4383 today for personalized assistance.

    Yes, it is possible to attend residential treatment programs without health insurance. Treatment providers may offer payment options like payment plans and sliding scale fees. These options can help make treatment costs more manageable. Additionally, you may be able to utilize scholarships and grants.

    Our admission counselors can help you learn more about different funding options for residential treatment if you are not using health insurance. Contact us today to learn more about personalized finance options.

    • The Kaiser Family Foundation indicated that there were over 9,500 mental health treatment programs in 2022, 1,702 of which were residential treatment programs.
    • Residential therapy services can be impactful for those struggling with severe impulsivity, violent and aggressive behaviors, self-harm behaviors, suicidal thoughts and behaviors, and those who have not responded to outpatient mental health services.
    • Residential mental health programs have been shown to lead to symptom reduction after treatment, with noticeable improvements visible 12 months after treatment completion.   
    • Statistica surveying indicated that in 2020, the two most common forms of payment methods for residential treatment included self-payment and private health insurance coverage.
    • An estimated 41% of residential recovery programs offered dual diagnosis treatment programs in 2019, according to the National Mental Health Services Survey.

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