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Health Net Insurance for Addiction Treatment

Health Net provides insurance for people regardless of their age, income, employment, or state of health.1 With health plans for individuals, families, businesses, and those with Medicare, Health Net provides care to more than 3 million members.1 So does Health Net cover substance abuse treatment? The short answer is yes, although your coverage may vary depending on the type of plan you have and on your place of residence.

If you have Health Net insurance and are searching for a drug and alcohol treatment facility that is covered by your plan, American Addiction Centers (AAC) is here to help. This page will assist you with discovering your Health Net options for addiction treatment. Learn about how your benefits can help with addiction.

American Addiction Centers (AAC) strives to provide you with the most updated information on each carrier’s addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.


Does Health Net Cover Addiction Treatment?

Yes, most plans cover at least some of the costs of alcohol and drug addiction treatment. With the introduction of the Affordable Care Act (ACA), which includes substance use disorders (SUDs) as 1 of the 10 elements of essential health benefits, Health Net insurance plans are required to provide services for substance abuse treatment.2 This means that your Health Net or MHN plan will cover the same amount of rehab costs as they would a regular hospital visit.

Managed Health Network (MHN) is a subsidiary of Health Net that provides individual and family coverage for mental health services and addiction treatment. In addition, MHN has Employee Assistance Programs (EAPs) and other member-based assistance programs to help businesses provide behavioral care for their employees.

MHN behavioral plan benefits may cover outpatient and inpatient assessment and treatment with counselors, psychologists, or psychiatrists; and alternative levels of care that include partial hospitalization, intensive outpatient, and residential treatment.3

MHN behavioral health plans can be purchased on their own or integrated with a Health Net insurance plan, and they offer a reliable range of covered services.


How to Check Your Insurance Benefits?

Before choosing the right addiction treatment center for you, check your Health Net policy benefits to determine which costs will be covered by your insurance company and which will be out-of-pocket for you. Call the number on the back of your insurance card or log in to your account on Health Net’s website to learn more about what your specific policy plan covers.

Knowing exactly what your Health Net plan covers can give you peace of mind while you or your loved one is in rehab. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles. For more information on Health Net insurance plans and to check what your plan covers, call , click here, or fill out the form below.


What are Health Net MHN’s Coverage Levels and Plans?

Health Net MHN behavioral health plans will vary in coverage details, but generally have similar offerings:

  • Counseling and therapy sessions.
  • Inpatient, outpatient, and partial hospitalization treatment.
  • Treatment follow-up, including aftercare services.
  • 24-hour crisis intervention services.

Because MHN focuses on behavioral health treatment, an MHN plan will offer high-quality substance abuse services. They ensure that their clients get the care management that they need by catering their plans to the individual’s needs.

There are various Health Net plans to choose from, including the following:4

  • CommunityCare HMO (Silver, Gold, and Platinum plans)
  • EnhancedCare PPO (Minimum, Bronze, Silver, Gold, Platinum plans)
  • PPO (Minimum, Bronze, Silver, Gold, Platinum plans)
  • PureCare One EPO (Minimum, Bronze, Silver, Gold, Platinum plans)
  • PureCare HSP (Minimum and Bronze plans)

Do Treatment Centers Need to Be In-Network?

In-network providers have a contract with the insurance carrier to offer services at a set price. This means that your out-of-pocket expenses will typically be lower than if you choose an out-of-network facility. In some cases, you may even be responsible for the full cost of rehab if you choose an out-of-network facility.

Out-of-area rehab is generally covered by Health Net and MHN insurance plans. Because most treatment facilities are privately owned, in-state versus out-of-state costs don’t deviate too much—treatment is treatment. As long as you select a provider from within the Health Net/MHN network, which expands across all 50 states, your insurance will help you out.

When considering different facilities, be sure to ask whether they accept your Health Net or MHN insurance plan. Whenever possible, try to choose a facility that is in-network with Health Net. If you are unable to find an in-network provider or prefer a facility that is out-of-network, you may be able to work out a payment plan with the facility so you can pay back the cost of treatment over time.


What Types of Addiction Treatment Does Health Net Cover?

With most Health Net plans covering at least some of the costs of treatment for alcohol addiction or drug addiction, the types of treatment can vary in intensity and frequency. Types of treatment may include:5-7

  • Detox services: In some cases, you may need assistance when detoxing from drugs and alcohol, which can potentially be uncomfortable, painful, or even life threatening. Medical detox helps you safely withdrawal from drugs and alcohol, as you’ll receive around-the-clock medical supervision. You might also be given medications to help minimize withdrawal symptoms.
  • Inpatient or residential care: Inpatient/residential live-in treatment centers provide drug and alcohol rehab while you live onsite at the facility. Most inpatient programs last anywhere from 15–90 days, depending on the program you’re in and your individual needs.
  • Medication-assisted treatment (MAT): This treatment involves the use of medications along with counseling and behavioral therapies. The goal is to provide treatment that addresses the entire person in connection to their substance use disorder.
  • Partial hospitalization (PHP): Partial hospitalization programs give you the opportunity to live at home while attending treatment during the day.
  • Intensive outpatient program (IOP): Intensive outpatient programs involve attending treatment programs a few evenings a week. In an intensive outpatient program, you can live at home and even go to work during the day.
  • Outpatient treatment: Individuals who have completed inpatient treatment often attend outpatient treatment for ongoing support on their journey to sobriety. You live at home and spend 10–12 hours a week at the treatment facility for therapy and support.

When you decide to get treatment for a drug or alcohol addiction, you will need to decide what type of treatment is best for you.


How to Verify the Coverage of Your Health Net Plan?

The cost of drug and alcohol addiction treatment will vary from person to person. It will depend on the treatment center, the type of program attended, and specific services received.

Before deciding on a rehab center, check your Health Net policy benefits to determine which costs will be covered by your insurance plan and which will be out-of-pocket for you. Call the number on your insurance card or log in to your account on Health Net’s website to determine how much you may need to cover in terms of copays and any deductible that must be reached before coverage kicks in for the services you need.

American Addiction Centers can also verify your insurance coverage for you. Visit our insurance verification page, enter your information, and you will immediately be able to see if the center you are considering is in-network with Health Net. Or call to speak to one of our admissions navigators to have them check your benefits and help you understand what is covered.


What Should I Do if Health Net Won’t Cover the Total Cost of Rehab?

Because insurance rarely covers the full cost of substance abuse treatment, you will likely end up paying a portion of out-of-pocket expenses. Whatever portion of costs that your Health Net/MHN plan does not cover is up to you to finance, so higher-priced programs can be more difficult to afford, but there are always options for getting help.

  • Payment options: Many treatment facilities will offer payment options so you can get clean and pay over an extended period to spread out the financial burden.
  • Sliding scale payments: Sliding scale payments change the cost of treatment based on your ability to pay, meaning that a lower-income person can expect to pay less than a higher income individual.
  • Payment plans: Many facilities will also offer payment plans so that you can spread your treatment payments out across monthly payments.
  • Grants and scholarships: Some facilities offer grants and scholarships for treatment to those who have financial need.

No matter what your financial situation, we can help you find the help you need at an affordable level. Call your insurance provider to speak with a specialist about finding a program that accepts your insurance plan.

Here are additional resources that provide more information about other ways to pay for rehab with or beyond what Health Net covers:

If you need addiction treatment that your insurance won’t cover, there are other options available. Your insurance provider may be willing to pay for certain services and to give you a discount on services that it does not cover. Even without insurance coverage, you can still get treatment. Many facilities offer payment plans and other financing options to help you get the care you need.

Choosing to attend rehab for an SUD is one of the most important steps on your path to recovery. There is help available and your Health Net/MHN policy and benefits can help you pay for treatment so you can focus on what matters: your sobriety and long-term recovery.


 Sources

  1. Health Net. (n.d.). About Us.
  2. Abraham, A.J., Andrews, C.M., Grogan, C.M., D’Aunno, T., Humphreys, K.N., Pollack, H.A., Friedmann, P.D. (2017). The Affordable Care Act Transformation of Substance Use Disorder Treatment. Am J Public Health, 107(1): 31-32.
  3. Health Net. (n.d.). Benefits Overview.
  4. Health Net. (2021). Plan Materials.
  5. National Institute on Drug Abuse. (2018). Principles of Drug Addiction Treatment: A Research-Based Guide (Third Edition): Types of Treatment Programs.
  6. National Institute on Drug Abuse. (2014). Principles of Adolescent Substance Use Disorder Treatment: A Research-Based Guide: Treatment Settings.
  7. Substance Abuse and Mental Health Services Administration. (2021). Medication-Assisted Treatment (MAT).

More resources about Health Net Insurance for Addiction Treatment: