Are you a college student in the Utah Valley area struggling with anxiety, panic attacks, or other mental health concerns but worried about the cost of treatment? If you or your family has Select Health insurance, you may have more comprehensive mental health coverage options than you realize. Understanding your benefits is crucial for accessing the anxiety treatment you need while managing the financial realities of college life.
Select Health provides extensive mental health coverage for Utah residents, including students attending universities in the Orem, Utah area. Our intensive outpatient program in Orem, Utah is in-network with Select Health, making evidence-based anxiety treatment accessible and affordable for Utah Valley students and families. Let’s explore how you can maximize your mental health benefits to get the help you deserve.
What Mental Health Services Does Select Health Cover?
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—an important protection for students seeking mental health care.
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 conditions.
Types of Covered Treatment
Select Health typically covers a wide range of evidence-based mental health treatments including individual therapy, group therapy, intensive outpatient programs, family therapy components, and psychiatric evaluations when needed. The specific coverage depends on your individual plan, but most Select Health plans provide robust mental health benefits.
How Do You Find In-Network Anxiety Providers?
Using in-network providers like our Orem, Utah program results in significantly lower out-of-pocket costs for students and families. In-network benefits typically involve lower copays, coinsurance, and deductibles, making specialized anxiety treatment more affordable during the already expensive college years.
Provider Directory Navigation
You can find in-network mental health providers by using the Select Health online provider directory, calling the member services number on your insurance card, or contacting our office directly to verify network status. We can confirm our in-network status with your specific Select Health plan and help you understand your benefits.
Student-Specific Considerations
If you’re covered under your parents’ Select Health plan while attending college, you can typically receive treatment in the Utah Valley area even if your family lives elsewhere in Utah. This allows you to access local mental health care while attending school in Orem or the surrounding communities.
What’s the Difference Between In-Network and Out-of-Network Costs?
Understanding the cost difference between in-network and out-of-network providers can save students and families significant money when seeking mental health treatment. In-network providers have negotiated rates with Select Health, resulting in lower costs for you.
In-Network Benefits
When you use our in-network Orem program, you’ll typically pay a copay (often $20-50 per session) or a coinsurance percentage (usually 20-30% of the negotiated rate) rather than the full cost of treatment. Your deductible may also be lower for in-network services, and your annual out-of-pocket maximum will be reached more quickly.
Out-of-Network Costs
Out-of-network providers usually require higher deductibles, higher coinsurance payments (often 50% or more), and some services may not be covered at all. For intensive treatment, these differences can result in thousands of dollars in additional costs, making in-network care crucial for affordability.
How Do You Get Pre-Authorization for Intensive Treatment?
Some intensive mental health treatments may require prior authorization from Select Health before beginning treatment. Our team handles this process for students and families, working directly with Select Health to obtain necessary approvals and ensure your treatment is covered from the start.
Pre-Authorization Process
We submit clinical information to Select Health demonstrating the medical necessity for intensive treatment, often including documentation of previous treatment attempts, current symptom severity, and functional impairment. Most authorizations are approved when appropriate clinical criteria are met.
Streamlined Approval
Our billing team understands Select Health’s requirements and works efficiently to obtain authorizations, minimizing delays in starting treatment. We handle all communication with Select Health so you can focus on preparing for treatment rather than administrative details.
Maximizing Select Health Benefits for Anxiety Treatment in Orem, Utah
Our Orem, Utah program is specifically designed to work with Select Health coverage, ensuring that Utah Valley students can access comprehensive anxiety treatment. We serve communities throughout Utah Valley including Orem, Vineyard, Lindon, Provo, Pleasant Grove, American Fork, Cedar Hills, Lehi, Alpine, and Springville.
Comprehensive Coverage Utilization
Our evidence-based program includes individual therapy, group sessions, family involvement components, and specialized skills training—all typically covered under Select Health’s mental health benefits. This comprehensive approach ensures you receive complete care while maximizing your insurance benefits.
Student and Family Support
We help students and families navigate insurance requirements, verify benefits, and understand costs before beginning treatment. Our goal is to make mental health care accessible and affordable so you can focus on recovery and academic success rather than financial concerns.
Frequently Asked Questions
Do I need a referral from my primary care doctor 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 or referrals.
Can I use my Select Health plan while attending college in Utah Valley?
Yes, if you’re covered under a Select Health plan, you can typically receive treatment in the Utah Valley area regardless of where your family lives in Utah. This allows students to access local mental health care while attending universities in the Orem area.
What will my out-of-pocket costs be for anxiety treatment?
Your out-of-pocket costs depend on your specific Select Health plan, but as an in-network provider, you’ll pay the lowest possible rates. Typical costs include copays ranging from $20-50 per session or coinsurance of 20-30% after meeting your deductible. We can verify your exact costs before treatment begins.
Does Select Health cover intensive outpatient programs for students?
Yes, many Select Health plans cover intensive outpatient programs when medically necessary. For students with severe anxiety symptoms that aren’t responding to weekly therapy, intensive treatment is often considered medically necessary and covered by insurance.
What if my Select Health plan has a high deductible?
Even with high-deductible plans, mental health treatment may have different cost-sharing arrangements, and preventive mental health services may be covered without requiring you to meet your deductible first. We help you understand your specific plan benefits and payment options.
Can I use my HSA or FSA funds for mental health 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 when combined with your Select Health coverage.
What happens if Select Health initially denies coverage for my 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 successfully overturned through the appeals process.
Don’t let insurance concerns prevent you from getting the anxiety treatment you need during college. As an in-network provider with Select Health, our Orem, Utah program makes evidence-based anxiety treatment accessible and affordable for Utah Valley students. Contact us today to verify your benefits and learn how Select Health can help cover the cost of overcoming anxiety disorders while you focus on your education and future success.
