Are you struggling with anxiety, panic attacks, social anxiety, or other mental health concerns but worried about the cost of treatment? If you have Select Health insurance and live in the Bountiful, Utah area, you may have more coverage options than you realize. Understanding your mental health benefits can be the key to accessing the anxiety treatment you need without overwhelming financial burden.
Select Health provides comprehensive mental health coverage for Utah residents, including coverage for intensive outpatient programs and specialized anxiety treatment. Our Bountiful, Utah program is in-network with Select Health, making evidence-based anxiety treatment accessible to Northern Utah families. Let’s explore how you can maximize your benefits to get the help you deserve.
Does Select Health Cover Mental Health Treatment?
Yes, Select Health provides comprehensive mental health and substance abuse coverage as required by federal parity laws. This means that mental health treatment, including anxiety disorders, panic disorder, social anxiety, and body dysmorphic disorder, must be covered at the same level as physical health conditions.
Federal Parity Requirements
The Mental Health Parity and Addiction Equity Act requires insurance providers like Select Health to provide equal coverage for mental health and substance use disorder treatment. This means that limitations on mental health treatment cannot be more restrictive than those for medical or surgical benefits.
Covered Mental Health Conditions
Select Health covers treatment for anxiety disorders including generalized anxiety disorder, social anxiety disorder, panic disorder, and body dysmorphic disorder. Coverage also extends to related conditions such as depression, post-traumatic stress disorder, and obsessive-compulsive disorder when they occur alongside anxiety.
What Anxiety Treatments are Covered by Select Health?
Select Health typically covers a wide range of evidence-based anxiety treatments, including individual therapy, group therapy, intensive outpatient programs, and family therapy components. The specific coverage depends on your individual plan, but most Select Health plans provide comprehensive mental health benefits.
Outpatient Therapy Coverage
Select Health covers outpatient mental health services, including individual therapy sessions, group therapy, and specialized treatments like Cognitive Behavioral Therapy (CBT) and Exposure Response Prevention (ERP). These evidence-based approaches are considered first-line treatments for anxiety disorders.
Intensive Outpatient Program Coverage
Many Select Health plans cover intensive outpatient programs (IOPs) for mental health conditions, including anxiety disorders. Our Bountiful, Utah program is designed to work with Select Health coverage requirements, ensuring that you can access intensive treatment when weekly therapy isn’t sufficient.
How Do In-Network Benefits Work for Intensive Programs?
Our Bountiful, Utah program is in-network with Select Health, which means you’ll pay lower out-of-pocket costs compared to out-of-network providers. In-network benefits typically involve lower copays, coinsurance, and deductibles, making treatment more affordable for Utah families.
In-Network vs. Out-of-Network Costs
When you use in-network providers like our Bountiful program, you’ll typically pay a copay or coinsurance percentage rather than the full cost of treatment. Out-of-network providers usually require higher deductibles and coinsurance payments, and some services may not be covered at all.
Prior Authorization Requirements
Some intensive treatments may require prior authorization from Select Health. Our team handles this process for you, working directly with Select Health to obtain necessary approvals and ensure that your treatment is covered. We understand the authorization requirements and help streamline the process.
What Should You Verify Before Starting Treatment?
Before beginning anxiety treatment, it’s important to verify your specific benefits with Select Health. While we’re in-network and work with Select Health regularly, individual plans can vary, and understanding your specific coverage helps avoid unexpected costs.
Key Questions to Ask Select Health
Contact Select Health to verify your mental health benefits, including your annual deductible, copay or coinsurance for outpatient mental health services, coverage for intensive outpatient programs, any prior authorization requirements, and your annual maximum for mental health services if applicable.
Understanding Your Benefits Summary
Your Select Health benefits summary will outline your mental health coverage, including any limitations or requirements. Our team can help you interpret this information and determine how it applies to your specific treatment needs.
Using Select Health for Anxiety Treatment in Bountiful, Utah
Our Bountiful, Utah program is specifically designed to work with Select Health coverage, ensuring that Northern Utah residents can access comprehensive anxiety treatment. We serve communities including Bountiful, West Bountiful, Woods Cross, Centerville, North Salt Lake, Farmington, Fruit Heights, and Kaysville.
Streamlined Insurance Process
We handle most insurance paperwork and authorization processes, allowing you to focus on your recovery rather than administrative details. Our billing team works directly with Select Health to ensure claims are processed correctly and you receive maximum coverage for your treatment.
Comprehensive Treatment Coverage
Our evidence-based program includes individual therapy, group sessions, family involvement components, and specialized skills training—all covered under Select Health’s mental health benefits. This comprehensive approach ensures you receive complete care for anxiety disorders while maximizing your insurance benefits.
Frequently Asked Questions
Does Select Health require a referral for anxiety treatment?
Most Select Health plans do not require a referral for outpatient mental health treatment. However, some plans may require prior authorization for intensive outpatient programs. Our team can verify your specific plan requirements and handle any necessary authorizations.
What is my copay for anxiety treatment with Select Health?
Copays vary depending on your specific Select Health plan. Many plans have copays ranging from $20-50 for outpatient mental health visits. As an in-network provider, you’ll pay the lowest possible copay rates. Contact Select Health or check your benefits summary for your specific copay amounts.
Does Select Health cover intensive outpatient programs for anxiety?
Yes, many Select Health plans cover intensive outpatient programs when medically necessary. Our Bountiful program works with Select Health to obtain authorization for intensive treatment when weekly therapy isn’t sufficient for your anxiety symptoms.
Will I need to pay a deductible for anxiety treatment?
Whether you pay a deductible depends on your specific Select Health plan. Some plans have separate deductibles for mental health services, while others include mental health in the general medical deductible. Many preventive mental health services may be covered without requiring you to meet your deductible first.
How do I find out if OCD Anxiety Centers Bountiful is in-network with my Select Health plan?
You can verify our network status by calling the member services number on your Select Health card, checking the Select Health provider directory online, or contacting our office directly. We can verify your benefits and confirm our in-network status with your specific plan.
What if Select Health denies coverage for my anxiety treatment?
If coverage is initially denied, we help with the appeals process. Our team understands Select Health’s requirements and can provide additional documentation or clarification to support medical necessity. Many initial denials are overturned through the appeals process.
Can I use my Select Health HSA or FSA for anxiety treatment?
Yes, anxiety treatment is considered a qualified medical expense that can be paid for using Health Savings Account (HSA) or Flexible Spending Account (FSA) funds. This can help reduce your out-of-pocket costs even further when combined with your Select Health coverage.
Don’t let insurance concerns prevent you from getting the anxiety treatment you need. As an in-network provider with Select Health, our Bountiful, Utah program makes evidence-based anxiety treatment accessible and affordable for Northern Utah residents. Contact us today to verify your benefits and learn how Select Health can help cover the cost of overcoming anxiety disorders. Our team will handle the insurance details so you can focus on your recovery.
