An Integrated Approach to Young Adult Mental Health Rehab

Insurance

Using Mental Health Insurance for
Our Services

Behavioral and mental health services are essential
health benefits

Mental Health & Substance Abuse Coverage

At Newport Institute, we know that treatment financing can make all the difference in receiving quality treatment. You may not know that the following treatment is covered by insurance plans:

  • Behavioral health treatment, such as psychotherapy and counseling
  • Residential or inpatient behavioral and mental health services
  • Substance use disorder (commonly known as substance abuse) treatment

Our Dedication to Securing the Highest-Quality Treatment

At Newport Institute, we take great pride in the fact that we have a full-time, in-house team dedicated to supporting our families through the mental health and substance abuse insurance coverage and financing process. In order to secure sufficient insurance coverage, we will most likely need to conduct a series of clinical reviews and any requested doctor-to-doctor calls with the insurance company. While other facilities may charge for this service, we feel it is our responsibility to assist families with what can be a complex process in order to receive the highest-quality treatment.

Here are the primary ways that young adults and families pay for treatment at Newport Institute:

Does insurance cover 100% of treatment costs at Newport Institute?

Insurance often covers a majority of treatment costs, and up to 100% of the treatment and therapeutic modalities that Newport Institute offers.

What if my insurance doesn’t cover my full treatment plan?

Some young adults or families choose a private pay option, which means that they cover all treatment costs without using mental health insurance. Private pay is a viable option for those who feel comfortable using their own resources. In the event that you don’t have mental health insurance, or your balance after insurance benefits adds up to something you can’t afford, we will work with you and your insurance provider. Connecting you to the help you need, when you need it, is our top priority. Treatment is a worthwhile endeavor that provides the foundation for a new life—and ultimately, it saves time, money, and energy, and promotes quality of life and peace of mind.

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.

855-895-4468

Get Started

Verify Insurance

Does insurance cover the costs of mental health treatment?

When you are considering whether a loved one or family member will enter treatment, remember that you will be making a lifetime investment in positive transformation and wellness. Addiction and untreated mental health issues are challenging—and they’re not going to go away by themselves. For an individual who may be embarking on their path as an adult, and who may not have developed the tools and infrastructure to face the complexities of day-to-day life, untreated mental health issues can become overwhelming. Your commitment to lifelong recovery will yield invaluable results and ultimately become fundamentally life changing.

Here are some of the things that influence treatment costs:

  • The individual’s clinical diagnosis
  • The recommended length of stay in treatment
  • Whether the situation requires specialized services
  • The individual’s mental health insurance coverage or preferred payment options

We Accept All Major Insurance Providers and Work With Leading Insurance Providers, Both In and Out-Of-Network, to Ensure Up To 100% of Our Services are Covered.

Aetna Logo
Anthem Logo
Cigna Logo
United HC Logo
BCBS Logo
Empire BCBS Logo
First Choice Logo
Oxford Health Logo
Optum Logo
Beacon Logo
Health Net Logo
GEHA Logo
Humana Logo
UBH Logo
Regence Logo
Emblem Logo
Harvard Pilgrim Logo
Kaiser Logo
Aetna Logo
Anthem Logo
Cigna Logo
United HC Logo
BCBS Logo
Empire BCBS Logo
First Choice Logo
Oxford Health Logo
Optum Logo
Beacon Logo
Health Net Logo
GEHA Logo
Humana Logo
UBH Logo
Regence Logo
Emblem Logo
Harvard Pilgrim Logo
Kaiser Logo
Harvard Pilgrim Logo
Kaiser Logo

We’re partnering with more insurance carriers both in and out of
network. The below selection represents some of our most popular
mental health insurance provider plans.

Anthem Blue Cross Blue Shield of California
Anthem Blue Cross Blue Shield of Colorado
Anthem Blue Cross Blue Shield of Connecticut
Anthem Blue Cross Blue Shield of Georgia
Anthem Blue Cross Blue Shield of Indiana
Anthem Blue Cross Blue Shield of New Hampshire
Anthem Blue Cross Blue Shield of Ohio
Anthem Blue Cross Blue Shield of Virginia
Anthem Blue Cross of California
Anthem Blue Cross of Connecticut
Anthem Blue Cross of Ohio
Blue Cross Blue Shield Federal Employee Program (FEP)
Blue Cross Blue Shield of California
Blue Cross Blue Shield of Connecticut
Blue Cross Blue Shield of Florida
Blue Cross Blue Shield of Georgia
Blue Cross Blue Shield of Illinois
Blue Cross Blue Shield of Massachusetts
Blue Cross Blue Shield of Michigan
Blue Cross Blue Shield of Minnesota
Blue Cross Blue Shield of Montana
Blue Cross Blue Shield of North Carolina
Blue Cross Blue Shield of Ohio

Blue Cross Blue Shield of Rhode Island
Blue Cross Blue Shield of South Carolina
Blue Cross Blue Shield of Tennessee
Blue Cross Blue Shield of Texas
Blue Cross of California
Capital Blue Cross of Pennsylvania
CareFirst Blue Cross Blue Shield of Maryland
Excellus Blue Cross Blue Shield of New York
Health Plans
HighMark Blue Cross Blue Shield of Delaware
HighMark Blue Cross Blue Shield of Pennsylvania
Horizon Blue Cross Blue Shield of New Jersey
Independence Administrators of America
Independence Blue Cross of Pennsylvania
Meritain Health
Premera Blue Cross
Premera Blue Cross Blue Shield of Alaska
Premera Blue Cross of Washington
Providence Health Plan
Regence Blue Cross Blue Shield of Oregon
Regence Blue Shield of Washington
Sutter Health Plus
WellMark Blue Cross Blue Shield of Iowa

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 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.

Clinical Review and Insurance Substantiation

Clinical reviews take place every two to fourteen days, 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 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 covers an array of mental health and drug rehab insurance plans, and the important thing to remember is that we have successfully worked with them all. 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 them all, to help teens, young adults and those whom they love, 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.

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.

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.

Single-Case Agreement

A Single-Case Agreement is when a provider, such as Newport Institute, works out a special contract so that out-of-network providers can work with your insurance company on an in-network basis. Approximately 25 percent of those who receive treatment from Newport Institute do so within a Single Case Agreement, so we have extensive experience working with insurance companies to create Single Case Agreements for teens and young adults with emotional, behavioral, or substance abuse disorders. Our goal is to ensure that your mental health insurance provider makes it possible for young adults to receive the most comprehensive and highest-quality treatment available.

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 every two to 14 days, 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 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 covers an array of mental health and drug rehab insurance plans, and the important thing to remember is that we have successfully worked with them all. 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 them all, to help teens young adults and those whom they love, receive the best treatment possible, as soon as possible.

Single-Case Agreement

A Single-Case Agreement is when a provider, such as Newport Institute, works out a special contract so that out-of-network providers can work with your insurance company on an in-network basis. Approximately 25 percent of those who receive treatment from Newport Institute do so within a Single Case Agreement, so we have extensive experience working with insurance companies to create Single Case Agreements for teens and young adults with emotional, behavioral, or substance abuse disorders. Our goal is to ensure that your mental health insurance provider makes it possible for young adults to receive the most comprehensive and highest-quality treatment available.

Coverage Amount

The coverage amount is the percentage of treatment costs, after the deductible, that your mental health insurance policy will cover.

i
Call us at 855-895-4468
or if dialing in from outside the US,
+1-714-798-9320

Newport Institute

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