Most insurance plans will cover either all or a portion of the treatment.
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Navigation:
- Overview
- What Types of Behavioral Health Services Does Shasta Health Insurance Cover?
- Treatment for Mental Health Challenges
- Treatment for Substance Use Disorder
- Determining What Your Shasta Plan Health Insurance Covers
Overview
Shasta Health Insurance Services is an insurance provider based in Redding, California, providing a full suite of insurance services to members and their loved ones in the state.. Their products and solutions include coverage for mental health challenges and substance use disorder. They are fully licensed as an independent broker in California and are certified to offer plans through most major carriers directly, and through California’s health insurance exchange known as “Covered California.”
Shasta Health Insurance Services offers multiple plan tiers, including Bronze, Silver, Gold, and Platinum. Bronze plans have the highest deductibles, followed by Silver, Gold, and then Platinum. Generally speaking, plans that cost more each month typically have a lower deductible, but each provider is different.
If you or your loved one is covered by Shasta Health Insurance Services, you can use your insurance to pay for all or part of your treatment, depending on your plan type.
What Types of Behavioral Health Services Does Shasta Health Insurance Cover?
The scope of coverage provided by Shasta Health Insurance Services will depend on your or your loved one’s tier of coverage. Platinum plans offer the most comprehensive coverage, whereas bronze plans will often be the most limited. Coverage will also vary depending on what type of condition with which you need assistance, whether it’s substance use disorder, mental health struggles or both (also known as a dual-diagnosis or co-occurring disorder).
Treatment for Mental Health Challenges
As more and more Americans continue to struggle with depression, anxiety, trauma and a wide range of other behavioral health conditions, it’s more important than ever that they have access to care and support. Shasta Health Insurance Services provides coverage for a wide range of mental health treatment resources, including but not limited to counseling, medication, and different types of occupational therapy, Scope of coverage depends on plan type, but the organizations offers a robust network of treatment providers that can provide personalized and in-depth care for you or your eligible family member.
Treatment for Substance Use Disorder
Whether you’ve been battling addiction for years or you’re just starting to realize the impact it’s having on your life, proactive and timely treatment is critical to mitigating its impact and helping those who are struggling reclaim their health and quality of life.
Service members have access to an extensive network of addiction treatment providers that offer multiple levels of care, including but not limited to:
- Medical Detox and Withdrawal Management – Healthcare law legally requires insurance companies to cover medically necessary treatment, which often includes detoxification to help patients manage their cravings, as well as their physical and psychological withdrawal symptoms. While the scope of coverage for detox varies according to each person’s plan, the process generally takes an average of three to seven days. It is overseen by doctors to help patients stay as comfortable as possible and reduce the threat of a medical emergency.
- Inpatient and Residential Treatment – Live-in rehab programs that last for an average of 28-30 days, during which patients get help from experienced and trained doctors and therapists. Inpatient treatment may include medically supervised detox and withdrawal management as part of a comprehensive program or may be offered as a standalone service.
- Outpatient Rehab – Daily treatment programs that offer in-depth group and individual counseling. Outpatient rehab programs are usually between six and eight hours per day in duration, with patients attending treatment around three to five days per week. Your policy may cover all or part of your program, depending on your plan tier.
- Medication-Assisted Treatment (MAT) – Medication-assisted treatment has become a cornerstone of long-term recovery from opioid abuse. It involves the use of FDA-approved medications to help manage long-term cravings. The most medications used during MAT include Suboxone® (buprenorphine and naloxone), methadone, and Vivitrol® (monthly injectable naloxone). The duration of coverage for medication-assisted treatment will vary based on plan type and ongoing care needs.
Your Shasta Health Insurance policy may also cover additional substance use treatment services, such as case management and ongoing therapy for co-occurring mental health challenges, such as depression, anxiety, trauma, bipolar disorder, and others.
Determining What Your Shasta Plan Health Insurance Covers
Shasta Health Insurance works with a wide array of insurance providers, including but not limited to Aetna, Humana, Anthem, United, and Guardian. Each one of these companies will have its own network of behavioral health providers. The quickest way to determine what your plan covers is to contact an admissions representative of the facility you’re considering. A knowledgeable representative will conduct a complete insurance verification to help you discover what’s covered and what will need to be paid out of pocket.
It’s important to realize that mental health and substance use treatment is considered an Essential Benefit under the Affordable Care Act. Understanding your rights and responsibilities can help you navigate the admissions process so you or your loved one can quickly get help.
