Do Mental Health Rehab Centers Take Insurance?

Treatment costs for substance use disorders (including drug and alcohol addiction) are often covered by health insurance coverage. Many people wonder, however, “Does insurance cover mental health?” The short answer is yes. Read on for more information about mental health insurance coverage.

What is Mental Health Treatment?

Mental health treatment refers to the various interventions and therapies designed to help individuals with mental health disorders or conditions. These treatments may include medication management, psychotherapy, counseling services, cognitive-behavioral therapy (CBT), dialectical behavior therapy (DBT), and other evidence-based approaches.

The goal of treatment is to provide mental health support to individuals to manage symptoms better, improve their quality of life, and work toward recovery and mental wellness. Treatment may be provided by a range of mental health professionals, including psychiatrists, psychologists, licensed therapists, and social workers.

What is Rehab Insurance Coverage?

Rehab insurance coverage is a type of insurance policy that provides coverage for rehabilitation services. Rehabilitation involves various services designed to help the insured recover from a mental illness, injury, or addiction. Rehab insurance coverage may include coverage for services such as physical therapy, occupational therapy, and behavioral and cognitive therapy.

Does Insurance Cover Mental Health Rehab?

Yes, insurance may cover mental health rehab, but the extent of coverage can vary based on the specific insurance policy and the treatment needed, among other factors. The Mental Health Parity and Addiction Equity Act of 20081 requires most insurance plans to provide coverage for mental health and substance use disorders equivalent to medical and surgical care coverage.

Insurance plans cannot impose higher deductibles, co-payments, exclusions, or limits on the number of mental health and substance use disorder treatment visits than they do for medical and surgical care. However, some insurance plans may have specific mental health rehab coverage requirements, such as pre-authorization or particular providers.

In addition, according to the Affordable Care Act, no one may be refused access to health insurance because of a pre-existing condition.2 This implies that all health insurance carriers must cover mental health care and treatment services to the same extent as physical or surgical care.

We can verify your mental health insurance coverage details - call 866-461-3339 to start the process today.

Check Your Insurance for Mental Health Treatment

You can check your insurance coverage levels for mental health rehab by calling us on 866-461-3339 or by using the form below.

Our admissions coordinators will interact directly with your insurance provider on your behalf, removing from your shoulders the burden of figuring out if your insurance will pay for your mental health service.

Mental Health Rehab Centers That Take Insurance

With psychiatric treatment facilities throughout many states, Virtue Recovery Center takes emotional well-being and psychological health seriously. As a result, the professionals at our accredited facilities have developed the most reliable mental health care programs, including treatment for anxiety disorders, mood disorders, and depression.

See below for links to all of Virtue Recovery Center’s mental health treatment locations:

How Much Does Mental Health Rehab Cost With Insurance?

Insurance coverage, the type of therapy required, the length of the treatment, and the healthcare provider are just a few of the variables that might affect how much mental health rehab will cost you. Virtue Recovery Center is happy to verify your insurance policy specifics to determine your level of coverage and provide you with more accurate pricing. Call 866-461-3339.

For psychiatric residential treatment centers, costs can average and range from $10,000 to $60,000 per month or ($320 to $1,930 per day). Keep in mind this is only an estimate. The particular treatment facility and the therapies provided account for a large portion of the cost difference. For instance, more expensive psychiatric residential treatment facilities may include spa-like services, but this does not necessarily translate to better outcomes for patients with mental illness.1

How To Check My Insurance Coverage Levels for Mental Health Rehab Treatment

The simplest way to verify insurance details is by filling out our no-obligation online form. We’ll contact your insurance carrier directly and get in touch with you as soon as possible to review your policy details and discuss the next steps. We are in-network with most insurance companies and guarantee to keep any information you share or discuss entirely confidential.

How To Get My Insurance To Pay For Mental Health Rehab Treatment

To get your mental health retreat covered by insurance for mental health rehab treatment, you can follow these general steps:

  • Understand your insurance policy: Review your insurance policy to understand your coverage and any limitations or requirements for mental health rehab treatment.
  • Get a diagnosis: Seek a professional diagnosis from a licensed mental health professional, as your insurance company may require this to approve coverage.
  • Check your network: Check if your healthcare provider is in-network with your insurance plan. In-network providers generally have lower costs and may have better coverage options. Virtue Recovery Center is in-network with most insurance companies. Call us at 866-461-3339, and we can verify if we are in-network with your carrier.
  • Get pre-authorization: Obtain pre-authorization from your insurance company for mental health rehab treatment. This may involve submitting a treatment plan or medical records to your insurance company. A treatment provider, like Virtue Recovery Center, can assist with this step.
  • Follow the treatment plan: Once you have received approval for treatment, follow the recommended treatment plan provided by your healthcare provider. You risk losing coverage if you fail to do so.
  • Submit claims: Submit claims to your insurance company for any services received. Again, your treatment provider can typically help with this step. However, keeping track of all bills and receipts related to your treatment is still wise.

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How Many Times Will Insurance Pay For Mental Health Rehab?

Many insurance policies cover a certain number of days or sessions for mental health rehab, while others may have annual limits or lifetime dollar maximums. However, how often they will pay for mental health rehab depends on your policy, among other factors. For example, some insurance plans may not cover specific treatments or may restrict the types of facilities covered.

Can You Go Into Mental Health Rehab Without Insurance?

While accessing mental health rehab without insurance may be more challenging, options for individuals needing financial help are still available. It is possible to go into mental health rehab without insurance. Several options are available for individuals without insurance or limited coverage for mental health treatment.

One option is seeking treatment at a community health center, which may offer low-cost or sliding-scale fees based on income. Some hospitals and clinics also provide financial assistance or payment plans if you cannot afford to pay for treatment upfront. Another option is to explore nonprofit organizations and various state-funded programs that offer mental health services or support groups. These organizations may provide free or low-cost counseling, therapy, or other resources.

In addition, you may consider indemnity insurance for mental health rehab.1 This type of insurance reimburses you for certain expenses related to mental health treatment, providing greater flexibility and choice in healthcare options. You can also seek treatment from any licensed provider or facility without being restricted to a specific network.

Reach out to one of our qualified admissions coordinators with a request today. A coordinator will answer any questions about our mental health rehabilitation services, including details about cost and payment options.

Mental Health Statistics

  • According to 2021 estimates, 57.8 million Americans (or more than one in five) live with a mental illness.2
  • Females (27.2%) were more likely than males (18.1%) to have any mental illness (AMI).
  • In 2021, 26.5 million (47.2%) of the 57.8 million individuals with AMI got mental health care in the previous year.
  • 8% of adults aged 18 and over have regular feelings of depression.3
  • Every year, 1 in 6 American adolescents ages 6 to 17 suffer from a mental health issue.4
  • Among those ages 10 to 14, suicide is the 2nd leading cause of death.
  • About 162 million people live in an area with a shortage of mental health professionals.5
  • Compared to the general population, those with depression have a 40% increased risk of having cardiovascular and metabolic illnesses.6
  • In 2020, 17.1 million adults with mental illness in the United States also had a substance use disorder.7
  • In the United States, at least 8.4 million adults receive care for a mental or emotional health condition.8
  • Unpaid caregivers spend an average of 32 hours per week with persons with mental or emotional health challenges.
  • Each year, lost productivity associated with depression and anxiety disorders costs the global economy $1 trillion.9
  • According to estimates, 66% of Americans 18 or older who had a major depressive episode in the previous year received depression treatment.10

Check Your Insurance Coverage With Virtue Recovery Center

If you’re committed to recovery, submit a request to one of our professional admission coordinators today using the form below. Before discussing the next steps, a coordinator will address any inquiries regarding our programs, including interacting directly with your insurance provider on your behalf to check your insurance coverage levels for drug or alcohol addiction rehab.

STEP 1

Using your Health Insurance Card, fill out all of the fields on the confidential form.

STEP 2

A member of our staff will contact your insurer to verify if your policy will cover your treatment

STEP 3

We will contact you promptly with the results of the verification and discuss the next steps

*Insurance Disclaimer: Virtue Recovery Center will attempt to verify your health insurance benefits and/or necessary authorizations on your behalf. Please note that this is only a quote of benefits and/or authorization. We cannot guarantee that payment or verification eligibility will be accurate and complete as conveyed by your health insurance provider. Payment of benefits is subject to all terms, conditions, limitations, and exclusions of the member’s contract at the time of service. Your health insurance company will only pay for services it determines to be “reasonable and necessary.” Virtue Recovery Center will make every effort to have all services preauthorized by your health insurance company. Suppose your health insurance company determines that a particular service is not reasonable and necessary or that a specific service is not covered under your plan. In that case, your insurer will deny payment for that service, and it will become your responsibility.

Your Name*
Who is seeking treatment?*
Name of Patient
MM slash DD slash YYYY
Insurance Company's Name*

*Insurance Disclaimer: Virtue Recovery Center will attempt to verify your health insurance benefits and/or necessary authorizations on your behalf. Please note, this is only a quote of benefits and/or authorization. We cannot guarantee payment or verification eligibility as conveyed by your health insurance provider will be accurate and complete. Payment of benefits are subject to all terms, conditions, limitations, and exclusions of the member’s contract at time of service. Your health insurance company will only pay for services that it determines to be “reasonable and necessary.” Virtue Recovery Center will make every effort to have all services preauthorized by your health insurance company. If your health insurance company determines that a particular service is not reasonable and necessary, or that a particular service is not covered under your plan, your insurer will deny payment for that service and it will become your responsibility.

Sources and Citations

  1.  “The Mental Health Parity and Addiction Equity Act (MHPAEA).” Centers for Medicare & Medicaid Services, www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/mhpaea_factsheet. Accessed 17 Apr. 2023.

  2. “Affordable Care Act.” HealthCare.gov, www.healthcare.gov/glossary/affordable-care-act. Accessed 17 Apr. 2023.

  3. Tracy, Natasha. “Residential Mental Health Treatment Centers: Types and Costs.” HealthyPlace, 23 Oct. 2019, www.healthyplace.com/other-info/mental-illness-overview/residential-mental-health-treatment-centers-types-and-costs.

  4. “GROUP BENEFITS HOSPITAL INDEMNITY INSURANCE: MENTAL/NERVOUS AND SUBSTANCE USE DISORDER ENHANCED BENEFITS PLAN.” The Hartford, 2020, s0.hfdstatic.com/sites/the_hartford/files/voluntary-indemnity-mental-nervous-substance.pdf.

  5. U.S. Department of Health and Human Services. “Mental Illness.” National Institute of Mental Health (NIMH), Mar. 2023, www.nimh.nih.gov/health/statistics/mental-illnessc

  6. U.S. Department of Health & Human Services. “Mental Health.” Centers for Disease Control and Prevention (CDC), 25 Jan. 2023, www.cdc.gov/nchs/fastats/mental-health.htm.

  7. “Mental Health by the Numbers.” NAMI: National Alliance on Mental Illness, June 2022, www.nami.org/mhstats.

  8. U.S. Department of Health & Human Services. “Health Workforce Shortage Areas.” Health Resources & Services Administration, 16 Apr. 2023, data.hrsa.gov/topics/health-workforce/shortage-areas.

  9. “A Blueprint for Protecting Physical Health in People With Mental Illness.” The Lancet Psychiatry, 16 July 2019, www.thelancet.com/commissions/physical-health-in-mental-illness.s“Key Substance Use and Mental Health Indicators in the United States: Results From the 2020 National Survey on Drug Use and Health.” Substance Abuse and Mental Health Services Administration, 2021, www.samhsa.gov/data/sites/default/files/reports/rpt35325/NSDUHFFRPDFWHTMLFiles2020/2020NSDUHFFR1PDFW102121.pdf.

  10. The National Alliance for Caregiving (NAC). “ON PINS and NEEDLESCaregivers of Adults With Mental Illness.” Caregiving.org, 2016, www.caregiving.org/wp-content/uploads/2020/05/NAC_Mental_Illness_Study_2016_FINAL_WEB.pdf.

  11. Chisholm, Dan, et al. “Scaling-up Treatment of Depression and Anxiety: A Global Return on Investment Analysis.” The Lancet Psychiatry, vol. 3, no. 5, Elsevier BV, May 2016, pp. 415–24. https://doi.org/10.1016/s2215-0366(16)30024-4.

  12. U.S. Department of Health & Human Services. “Major Depression.” National Institute of Mental Health (NIMH), www.nimh.nih.gov/health/statistics/major-depression. Accessed 17 Apr. 2023.

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