Affordable Care
That’s Covered By Insurance
Young adults deserve the highest-quality care, at the lowest out-of-pocket cost.
Let’s work together to get the most out of your insurance policy.
99% of Newport clients use insurance to cover the cost of care. We’ll help you do that, too.
We know that spending hours on hold or struggling to interpret confusing insurance language is the last thing you want to do right now.
Leave it to us—we’ll contact your insurance provider directly and advocate for the maximum coverage available. Our team of experts is dedicated to making treatment affordable, so young adults don’t have to wait for the care they need.
Accessing treatment is the most important investment you’ll ever make.
Untreated young adult mental health and substance use disorders don’t go away on their own—in fact, without support, symptoms can escalate and be life threatening. Let’s work together to make sure you or your loved one get’s the highest-quality care, as quickly and affordably as possible. We’ll guide you each step of the way.
What can I expect
when I call?
What can I expect
when I call?
We’re here 24 hours a day, 7 days a week. Your call is always confidential, and there’s no pressure to commit to treatment until you’re ready. Our fundamental priority is to help you.
Here’s how our Admissions experts verify your insurance and help you take the next steps:
- Discuss possible treatment options, such as outpatient or residential care
- Ask for your insurance details—be sure to have your card available for your call with our Admissions expert
- Determine whether your insurance is in-network or out of network with Newport Institute
- Decide on the best approach for maximizing coverage either way
- Make sure we have all the information we need to move forward
Newport Academy partners with a wide range of insurance providers—and we’re continually expanding those relationships to help more families access the care they need.
With years of experience navigating both in-network and out-of-network coverage, we work hard to reduce the cost of treatment and ease the insurance process.
Questions?
We know that reaching out can be difficult.
Our compassionate team of experts is here to help.
Call us at 855-895-4468
or complete the form below.
What insurance plans does Newport Institute accept?
Newport Institute works with numerous insurance plans, both in network and out of network. Our dedicated team will work directly with your insurance to obtain coverage for as much of your treatment cost as possible.
If we are not in network with your insurance company, we can work with them to pursue out-of-network benefits, or you can opt for private pay.
Here are some of the companies we work with to make high-quality care more accessible for young people:
Frequently Asked Questions
Here are some of the most common questions parents ask about insurance coverage for their child’s stay at Newport.
How much does Newport Institute cost?
What if my insurance doesn’t cover Newport Institute?
How much will I have to pay out of pocket?
Does Newport take Medicaid?
What is the private pay option?
When you call, our dedicated Admissions team can answer all these questions and more, according to your specific situation and insurance options.
Insurance Terms
Insurance Verification
If you’re interested in exploring the possibility of treatment at Newport Institute for you or your loved one’s mental health, behavioral health, or substance use issues, we can begin the insurance verification process immediately. Furthermore, we are happy to obtain your insurance policy information and seek verification on your behalf. You can also expedite this process by completing the insurance verification form. There is no obligation to either Newport Institute or to your insurance provider. We will generally get back to you with verification results and a comprehensive assessment of your insurance benefits coverage within 24 hours.
Clinical Review and Insurance Substantiation
Clinical reviews take place on an ongoing basis, depending on the individual’s specific case and insurance company. We will also file appeals for any denials and bill the insurance company directly. Our team of insurance review experts assist families with this process every step of the way. While other facilities charge for this service, we feel it is our responsibility to help you and your family receive the highest-quality treatment.
Coinsurance
Coinsurance is the percentage of treatment costs, after the deductible, that your mental health insurance policy will not cover. You are responsible for this amount.
Allowed Amount
The allowed amount is the daily rate that the insurance company feels is appropriate for the services rendered. The allowed amount may be exactly what you are invoiced for services, or it may be less. It is important to note that, for out-of-network services, the rehab insurance coverage amount percentage applies to the allowed amount, and is not necessarily reflective of invoiced amounts or cost of services rendered.
Copay
A copay is a regular fixed cost that you pay for certain services. For example, many people pay a small copay each time they visit a doctor. This contributes to your overall plan and is part of your cost agreement with the insurance company. Some insurance plans do not require copays.
Premium
A premium is the amount that people pay at regular intervals to their insurance companies for their coverage. This is the individual’s contribution to their policy, and in some cases, employers may also contribute to the premium. Premiums are determined by what kind of coverage a person has, such as an HMO or PPO plan.
Policy Effective Date
This is the date when your mental health insurance company begins to help pay for your healthcare costs. You must enroll in a health insurance plan either during the open enrollment period, usually offered for a set amount of time once a year, or during a “special enrollment period.” Special enrollment periods begin after a qualifying event, such as marriage, the start of a new job, the birth of a baby, or the loss of healthcare coverage, and usually last for about 90 days. Your policy effective date is determined after you’ve enrolled, and usually falls a few weeks or months after your initial enrollment date.
Insurance Plan Types
Newport Institute works with an array of insurance plans providing coverage for mental health treatment. Plan types break down into three categories: those with In-Network benefits, those with out-of-network benefits, and those that typically don’t offer out-of-network benefits. Plan types that typically offer out-of-network benefits are Preferred Provider Organization (PPO) and Point-of-Service (POS) plans. Plan types that typically don’t offer out-of-network benefits are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. The bottom line: We pride ourselves on being able to work with most major insurance payers, to help young adults and families receive the best treatment possible, as soon as possible.
Coverage Amount
The coverage amount is the percentage of treatment costs, after the deductible, that your mental health insurance policy will cover.
Pre-Certification
The majority of insurance providers require pre-certification, or authorization, prior to entering the program and continuously throughout treatment. We will guide you through this process as well. Consequently, if your policy has this stipulation, we will provide you with support and direction on how best to proceed. If you don’t see your insurance provider in the list above, that does not mean that we cannot work with them—it might simply mean that we haven’t worked with them previously.
Deductible
Your deductible is an annual amount that you must pay before insurance will begin to cover your expenses. Typically, once the deductible has been satisfied for the year, your mental health insurance policy will start to cover a percentage of the total treatment costs, called the coverage amount.
Maximum Out of Pocket (MOOP)
The MOOP is a limit on your policy set by your insurance company. Once the total amount of coinsurance paid equals the MOOP, the insurance policy typically covers 100 percent of the “allowed amount.” Sometimes, the deductible applies toward the MOOP, which can help you meet that limit faster.
Primary Insurance Subscriber
This is the person whose name is on the insurance card. Many young adults in treatment qualify for coverage under their family’s insurance plan. Under the Affordable Care Act, young adults 26 years of age and under are entitled to their parents’ health insurance policies, which, through the exchanges, are required to provide mental health benefits.
Out-of-Pocket Expenses
Your out-of-pocket cost is the amount of money you must pay each time you visit a doctor or receive inpatient, outpatient, or other therapeutic treatments. These costs are usually due at the time treatment begins, but you may also be able to pay them a little at a time with payment plans. Out-of-pocket expenses include deductibles, copays, and co-insurance.
Managed Care
This blanket term is used to describe the primary system through which healthcare services are provided in the United States. An insurance company directs—i.e., manages—the way you receive treatment, from regular checkups to accidents to major illnesses. Managed Care Organizations (MCOs) include the doctors, hospitals, laboratories, and clinics that make up your network.
Insurance Verification
If you’re interested in exploring the possibility of treatment at Newport Institute for you or your loved one’s mental health, behavioral health, or substance abuse issues, we can begin the insurance verification process immediately. Furthermore, we are happy to obtain your insurance policy information and seek verification on your behalf. You can also expedite this process by completing the insurance verification form. There is no obligation to either Newport Institute or to your insurance provider. We will generally get back to you with verification results and a comprehensive assessment of your insurance benefits coverage within 24 hours.
Pre-Certification
The majority of insurance providers require pre-certification, or authorization, prior to entering the program and continuously throughout treatment. We will guide you through this process as well. Consequently, if your policy has this stipulation, we will provide you with support and direction on how best to proceed. If you don’t see your insurance provider in the list above, that does not mean that we cannot work with them—it might simply mean that we haven’t worked with them previously.
Clinical Review and Insurance Substantiation
Clinical reviews take place on an ongoing basis, depending on the individual’s specific case and insurance company. We will also file appeals for any denials and bill the insurance company directly. Our team of insurance review experts assist families with this process on a daily basis. While other facilities may charge for this service, we feel it is our responsibility to help you and your family receive the highest-quality treatment.
Deductible
Your deductible is an annual amount that you must pay before insurance will begin to cover your expenses. Typically, once the deductible has been satisfied for the year, your mental health insurance policy will start to cover a percentage of the total treatment costs, called the coverage amount.
Coinsurance
Coinsurance is the percentage of treatment costs, after the deductible, that your mental health insurance policy will not cover. You are responsible for this amount.
Maximum Out of Pocket (MOOP)
The MOOP is a limit on your policy set by your insurance company. Once the total amount of coinsurance paid equals the MOOP, the insurance policy typically covers 100 percent of the “allowed amount.” Sometimes, the deductible applies toward the MOOP, which can help you meet that limit faster.
Allowed Amount
The allowed amount is the daily rate that the insurance company feels is appropriate for the services rendered. The allowed amount may be exactly what you are invoiced for services, or it may be less. It is important to note that, for out-of-network services, the rehab insurance coverage amount percentage applies to the allowed amount, and is not necessarily reflective of invoiced amounts or cost of services rendered.
Balance Billing
Balance billing is a practice in which an out-of-network treatment provider invoices the person who will be receiving treatment for the difference between what the insurance company paid and the actual cost of treatment. Newport Institute does not balance bill. What this effectively means is that we work to ensure maximum coverage by in- and out-of-network insurance providers, and once we collectively understand the mental health insurance coverage options, our Admissions Specialists will work hand in hand with the family or individual to affirm the final cost of treatment. With some treatment centers, you’ll receive an invoice for a balance due after treatment, but Newport Institute does not support this practice. There will be no surprises.
Copay
A copay is a regular fixed cost that you pay for certain services. For example, many people pay a small copay each time they visit a doctor. This contributes to your overall plan and is part of your cost agreement with the insurance company. Some insurance plans do not require copays.
Primary Insurance Subscriber
This is the person whose name is on the insurance card. Many young adults in treatment qualify for coverage under their family’s insurance plan. Under the Affordable Care Act, young adults 26 years of age and under are entitled to their parents’ health insurance policies, which, through the exchanges, are required to provide mental health benefits.
Premium
A premium is the amount that people pay at regular intervals to their insurance companies for their coverage. This is the individual’s contribution to their policy, and in some cases, employers may also contribute to the premium. Premiums are determined by what kind of coverage a person has, such as an HMO or PPO plan.
Out-of-Pocket Expenses
Your out-of-pocket cost is the amount of money you must pay each time you visit a doctor or receive inpatient, outpatient, or other therapeutic treatments. These costs are usually due at the time treatment begins, but you may also be able to pay them a little at a time with payment plans. Out-of-pocket expenses include deductibles, copays, and co-insurance.
Policy Effective Date
This is the date when your mental health insurance company begins to help pay for your healthcare costs. You must enroll in a health insurance plan either during the open enrollment period, usually offered for a set amount of time once a year, or during a “special enrollment period.” Special enrollment periods begin after a qualifying event, such as marriage, the start of a new job, the birth of a baby, or the loss of healthcare coverage, and usually last for about 90 days. Your policy effective date is determined after you’ve enrolled, and usually falls a few weeks or months after your initial enrollment date.
Managed Care
This blanket term is used to describe the primary system through which healthcare services are provided in the United States. An insurance company directs—i.e., manages—the way you receive treatment, from regular checkups to accidents to major illnesses. Managed Care Organizations (MCOs) include the doctors, hospitals, laboratories, and clinics that make up your network.
Insurance Plan Types
Newport Institute works with an array of mental health insurance plans. Plan types break down into two categories: those with out-of-network benefits and those without out-of-network benefits. Plan types that typically offer out-of-network benefits are Preferred Provider Organization (PPO) and Point-of-Service (POS) plans. Plan types that typically don’t offer out-of-network benefits are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. The bottom line: We pride ourselves on being able to work with the majority of major insurance companies, to help young adults receive the best treatment possible, as soon as possible.
Coverage Amount
The coverage amount is the percentage of treatment costs, after the deductible, that your mental health insurance policy will cover.
