Do Mental Health Rehab Centers Take in Texas Insurance?
Health insurance frequently pays for treating substance use disorders, including drug and alcohol addiction. However, you may be wondering: “Is mental health covered by insurance?” Yes, is the short answer, as mental health care is considered an “essential health benefit.1” Continue reading to learn more about mental health rehab centers in Texas that take insurance.
What is Texas Known For?
Texas is the second-largest state in the US, sharing part of its southeastern border with the Gulf of Mexico. The history of the Lone Star state goes back thousands of years. Spanish explorers arrived in the 16th century, followed by French and English explorers in the 17th and 18th centuries. Various indigenous cultures had previously inhabited the region.2Texas proclaimed its independence from Mexico in 1836, established a republic, and then became the 28th state in 1845. As a result, Texas has a rich culture influenced by its history, geography, and population.
Texas is renowned for its art, literature, movies, and music, notably its country and blues. It is also known for its cuisine, primarily its Tex-Mex and barbeque. The rodeo is among Texas' most recognizable activities. The state's culture has a long history with rodeo and is heavily influenced by it. One of the world's biggest and most famous rodeos, the Houston Livestock Show and Rodeo, draws millions of cowboys and tourists annually. The Fort Worth Stock Show and Rodeo is another well-known Texas rodeo.
The Alamo in San Antonio is one of the well-known sites in Texas—the ancient mission was instrumental in the struggle for Texas' freedom. Additional notable structures include the State Capitol building in Austin, the San Jacinto Monument in Houston, and the Space Center Houston, which houses the NASA Johnson Space Center.
Texas is also home to several renowned healthcare systems. One of the best cancer hospitals in the world, for instance, is the University of Texas MD Anderson Cancer Center in Houston, which provides cutting-edge therapies and research. In addition, the Dallas-based Baylor Scott & White Health system, which has more than 50 hospitals and more than 1,000 patient care locations, is Texas' largest nonprofit healthcare organization.
Unfortunately, due to Texas having the highest percentage of uninsured inhabitants nationwide, millions lack access to healthcare.3
What is Mental Health Treatment?
Mental health treatment refers to the various forms of behavioral therapy, counseling, medication, and other interventions used to help individuals cope with and manage mental illnesses such as anxiety, depression, bipolar disorder, schizophrenia, and others. Mental health treatment is not a one-size-fits-all approach; what works for one person may not work for another.
Mental health treatment aims to improve the individual's overall quality of life and functioning by reducing symptoms and addressing underlying causes of mental health disorders. Treatment can vary widely depending on the specific condition and the needs of each individual. It may involve individual counseling services, group therapy, medication management, lifestyle changes, and other interventions.
Check Your Insurance for Mental Health Treatment
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.
What is Rehab Insurance Coverage?
Rehab insurance coverage refers to how much an individual's health insurance policy covers the costs of addiction treatment and rehabilitation services. Many health insurance plans, including those provided by an employer, offer some degree of addiction treatment and rehabilitation coverage.
The specific types of services covered and the extent of coverage may vary depending on the policy, the insurance provider, and your location in Texas, among other factors. Generally, rehab insurance coverage may include inpatient or outpatient treatment, detoxification services, psychotherapy, medication-assisted treatment, and other forms of support.
In addition, the amount of coverage may be subject to deductibles, copayments, and other out-of-pocket expenses, so it’s essential to understand the specifics of your policy before seeking treatment.
Does Insurance Cover Mental Health Rehab in Texas?
Yes, insurance does cover mental health rehab in Texas. Like many other US states, Texas has laws requiring health insurance providers to offer coverage for mental health and substance use disorder services equivalent to the coverage provided for physical health conditions.
Under the Mental Health Parity and Addiction Equity Act (MHPAEA),4 insurance providers must offer the same level of coverage for mental health and substance use disorder treatment as they do for physical health conditions. This means that insurance policies in Texas must provide coverage for mental health rehab, including inpatient or outpatient treatment, medication-assisted treatment, counseling and therapy, and other forms of mental health support.
Texas Mental Health Rehab Centers That Take Insurance
Virtue Recovery Center has been saving lives from substance abuse and restoring psychological health with multiple treatment locations in several states, including two nationally accredited luxury facilities in Texas. These evidence-based rehabilitation facilities provide mental health care for those suffering from addiction, dual diagnosis, psychological disorders, and underlying trauma.
Learn more about our Texas-based Virtue Recovery Centers via the links below:
How Much Does Mental Health Rehab in Texas Cost With Insurance?
The type of therapy required, the duration of treatment, and your location in Texas are just a few of the variables that might affect how much mental health rehab in Texas will cost you. Virtue Recovery Center is happy to verify your insurance policy specifics to determine your coverage levels and provide you with more accurate pricing.
For psychiatric treatment centers, costs can average and range from $10,000 to $60,000 per month or ($320 to $1,930 per day). However, this is just an estimate. The particular treatment facility and the therapies provided account for a large portion of the cost difference.5
How To Check My Insurance Coverage Levels for Mental Health Rehab Treatment in Texas
By completing our no-obligation online form, you can easily verify insurance information. We’ll review the specifics of your policy and explain your options for mental health rehab treatment in Texas. Virtue Recovery Center is in-network with most insurance companies, and we guarantee any information you provide or discuss will remain entirely confidential.
How To Get My Insurance To Pay For Mental Health Rehab Treatment in Texas
Work closely with a mental health provider, like Virtue Recovery Center, and your insurance provider to ensure that you receive the necessary treatment and that expenses are covered. We can help you navigate the insurance process and advocate for coverage if necessary. Below are several steps you can take for mental health insurance coverage in Texas:
- Verify your insurance coverage: Virtue Recovery Center can contact your insurance provider to confirm that your policy covers mental health rehab treatment and to explain what specific services are covered.
- Obtain pre-authorization: Before seeking treatment, obtain pre-authorization from your insurance provider. This involves providing them with a treatment plan and estimated costs, so they can determine whether the treatment is medically necessary and covered by your policy. Again, Virtue Recovery Center can assist with this step.
- Choose an in-network provider: Using an in-network provider will help reduce your out-of-pocket costs. For example, virtue Recovery Center is in-network with most insurance companies.
- Follow treatment guidelines: To ensure that your insurance provider will cover the costs of your mental health rehab treatment, follow all treatment guidelines and requirements. This includes attending all scheduled appointments, taking any prescribed medications, and completing any required therapy or counseling sessions.
Failure to comply with treatment guidelines may risk loss of coverage.
- Keep detailed records: Keep detailed records of all treatment-related expenses and communications with your insurance and healthcare provider. This will help you track your expenses and advocate for coverage if any issues arise.
How Many Times Will Insurance Pay For Mental Health Rehab in Texas?
The number of times insurance will pay for mental health rehab in Texas depends on several factors, including the policy, the insurance provider, and your individual needs. For example, some insurance policies may limit the number of inpatient treatment days or the number of therapy sessions covered.
Insurance companies must provide coverage for mental health and substance use disorder services equal to those offered for physical health disorders. This implies that if receiving mental health rehab therapy is deemed medically necessary, there shouldn't be any restrictions on the frequency of such treatment.
Virtue Recovery Center is happy to review and provide the specifics of your mental health insurance benefits for you. Call 866-461-3339 today.
Can You Go To Mental Health Rehab in Texas Without Insurance?
Yes, you can go to mental health rehab in Texas without insurance. There are still choices for people needing financial assistance, even if getting access to mental health treatment without insurance may be more challenging. For those without insurance or limited coverage for mental health therapy, there are several solutions accessible.
A community health center, which may provide low-cost or sliding-scale fees depending on income, is one alternative for receiving care. In addition, several hospitals and clinics may offer financial aid or payment options if you cannot pay for treatment upfront.
You shouldn't be prevented from accessing mental wellness services or other effective treatments because of a lack of health insurance. Virtue Recovery Center wants to ensure you or a loved one receives the best care possible. We'll work with you to develop an affordable payment plan for mental health rehab expenses. Call 866-461-3339 today for more information.
Investigating nonprofit organizations and other state-funded initiatives that provide mental health services is an additional choice. Support groups are another alternative. These groups could offer counseling, therapy, or other resources for no cost or at a reasonable cost.
In addition, you may consider indemnity insurance for mental health rehab.6 This kind of insurance gives you more flexibility and alternatives for healthcare by paying back some of the costs associated with treating psychiatric disorders. In addition, you’re not limited to a particular network and can receive treatment from any facility or provider licensed to practice.
Send a request to one of our expert admissions coordinators right now. Any inquiries regarding our mental health rehabilitation services, including information on cost and payment plans, can be addressed.
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.
Using your Health Insurance Card, fill out all of the fields on the confidential form.
A member of our staff will contact your insurer to verify if your policy will cover your treatment
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.
*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.
Mental Health Statistics
- As of 2021, suicide is the 11th leading cause of death in the United States, according to the Centers for Disease Control and Prevention (CDC).7
- Mental disorders were present in 46% of suicide victims.8
- Among those ages 10 to 14, suicide is the 2nd leading cause of death.9
- In 2021, 14.1 million adults (1 in 20) in the United States had serious mental illness.10
- 65.4% of them received treatment.11
- Every year, one in five American adults experiences a mental illness.
- 50% of all lifetime mental illnesses start by age 14, and 75% by age 24.12
- Cardiovascular and metabolic illnesses are 40% more likely to affect those with depression than the general population. These problems are almost twice as likely in people with major mental illnesses.13
- In 2021, 33.5% of American adults with mental illness also had a substance use disorder (SUD).<14
- Compared to their peers, high school students with substantial depressive symptoms are more than twice as likely to drop out15
- At least 8.4 million Americans care for an adult with a mental or emotional health issue.16
- Each year, lost productivity associated with depression and anxiety disorders costs the global economy $1 trillion.17
- Youths identifying as lesbian, gay, or bisexual attempt suicide nearly four times as often as heterosexual youth.18
- Nearly twice as many women (66%) as males in prison reported having a history of mental illness.19
- Between 2015 and 2020, nearly one in four people shot and killed by police had a mental health condition.20
- Mental health problems exist in 70% of adolescents within the juvenile justice system.21
- Psychosis spectrum and mood disorders account for almost 600,000 hospital admissions annually among Americans aged 18 to 44.22
- Psychosocial support primarily concerned with social or emotional outcomes increased survival but had effects similar to those of health education and classes and were less effective in patients with diseases that appeared to be more severe.23
- Up to 80% of people who undergo depression treatment see an improvement in their symptoms within four to six weeks after starting medication, psychotherapy, visiting support groups, or a combination of these treatments.24
-  “Essential Health Benefits - Glossary.” HealthCare.gov, www.healthcare.gov/glossary/essential-health-benefits. Accessed 27 Apr. 2023.
-  Kiffel-Alcheh, Jamie. “Texas.” National Geographic Kids, 23 June 2021, kids.nationalgeographic.com/geography/states/article/texas.
-  “Why 5 Million Texans Are Uninsured: New Study.” Texas 2036, Oct. 2022, texas2036.org/posts/why-5-million-texans-are-uninsured.
-  “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 27 Apr. 2023.
-  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.
-  “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.
-  “Underlying Cause of Death, 2018-2021, Single Race Results.” Centers for Disease Control and Prevention, 2021, wonder.cdc.gov/controller/datarequest/D158;jsessionid=7B83EF1074B508C42D4FCB729C50.
-  “More Than a Mental Health Problem.” Centers for Disease Control and Prevention, 27 Nov. 2018, www.cdc.gov/vitalsigns/suicide.
-  “Suicide.” National Institute of Mental Health (NIMH), www.nimh.nih.gov/health/statistics/suicide. Accessed 27 Apr. 2023.
-  “Mental Health By the Numbers.” NAMI: National Alliance on Mental Illness, www.nami.org/mhstats. Accessed 27 Apr. 2023.
-  “Key Substance Use and Mental Health Indicators in the United States: Results From the 2021 National Survey on Drug Use and Health.” Substance Abuse and Mental Health Services Administration (SAMHSA), 2021, www.samhsa.gov/data/sites/default/files/reports/rpt39443/2021NSDUHFFRRev010323.pdf. Accessed 27 Apr. 2023.
-  Kessler, Ronald C., et al. “Lifetime Prevalence and Age-of-Onset Distributions of DSM-IV Disorders in the National Comorbidity Survey Replication.” Archives of General Psychiatry, vol. 62, no. 6, American Medical Association, June 2005, p. 593. https://doi.org/10.1001/archpsyc.62.6.593
-  “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.
-  “2021 NSDUH Detailed Tables.” Substance Abuse and Mental Health Services Administration, 4 Jan.2023, www.samhsa.gov/data/report/2021-nsduh-detailed-tables.
-  Dupéré, Véronique, et al. “Revisiting the Link Between Depression Symptoms and High School Dropout: Timing of Exposure Matters.” Journal of Adolescent Health, vol. 62, no. 2, Elsevier BV, Nov. 2017, pp. 205–11. https://doi.org/10.1016/j.jadohealth.2017.09.024.
-  Greenwald & Associates. “ON PINS and NEEDLESCaregivers of Adults With Mental Illness.” Caregiving.org, Feb. 2016, www.caregiving.org/wp-content/uploads/2020/05/NAC_Mental_Illness_Study_2016_FINAL_WEB.pdf
-  Chisholm, Dan, PhD, 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.
-  National Center for HIV, Viral Hepatitis, STD, and TB Prevention [Division of Adolescent and School Health]. “YOUTH RISK BEHAVIOR SURVEY : Data Summary and Trends Report.” Centers for Disease Control and Prevention, 2021, www.cdc.gov/healthyyouth/data/yrbs/pdf/YRBS_Data-Summary- Trends_Report2023_508.pdf.
-  Bronson, Jennifer, Ph. D., and Marcus Berzofsky Dr. P. H. “Indicators of Mental Health Problems Reported by Prisoners and Jail Inmates, 2011-12.” U.S. Department Of Justice, June 2017, bjs.ojp.gov/content/pub/pdf/imhprpji1112.pdf.
-  Washington Post Staff. “Police Shootings Database 2015-2023: Search by Race, Age, Department.” Washington Post, 5 Dec. 2022, www.washingtonpost.com/graphics/investigations/police-shootings-database.
-  Skowyra, Kathleen R., et al. “Blueprint for Change.” antoniocasella.eu, 2007, www.antoniocasella.eu/archipsy/Blueprint_2007.pdf.
-  U.S. Department of Health & Human Services. “Healthcare Cost and Utilization Project (HCUP) Fast Stats.” Agency for Healthcare Research and Quality, datatools.ahrq.gov/hcup-fast-stats. Accessed 27 Apr. 2023.
-  Smith, Timothy W., et al. “Effects of Psychosocial Support Interventions on Survival in Inpatient and Outpatient Healthcare Settings: A Meta-analysis of 106 Randomized Controlled Trials.” PLOS Medicine, vol. 18, no. 5, Public Library of Science, May 2021, p. e1003595. https://doi.org/10.1371/journal.pmed.1003595.
-  “Depression Statistics - Depression and Bipolar Support Alliance.” Depression and Bipolar Support Alliance, 12 July 2019, www.dbsalliance.org/education/depression/statistics.
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