Health Net Insurance

Health Net is a company providing insurance to nearly six million people through individual, group, Medicare, Medicaid, Tricare and Veterans Affairs programs. Health Net also has a behavioral health services subsidiary which is called MHN. Through this subsidiary, the company provides substance abuse and behavioral health services and programs to more than seven million people, including their health plan members. MNH also delivers Employee Assitance Program throughout the U.S.

Behavioral health plans can be bought on their own, or they can be used along with a medical plan from Health Net. In some cases, plans may cover certain costs associated with addiction treatment at a rehab facility.

Health Net works with an extensive network of mental health providers. They can include clinical social workers, psychologists, marriage and family therapists, psychiatrists, and counselors. Members of Health Net can search the MHN member website to find a provider on their own for any services related to mental health, or they can contact the company if they need help locating the right provider for them.

Some MHN and Health Net benefit plans will cover services that are from providers who are out-of-network, while others don’t, but the company does recommend members used a network provider if at all possible.

While behavioral and mental health services are covered, there are differences between plans that will determine the payment responsibility of the insured individual. For example, in Southern California, there are four policy levels which are Platinum, Gold, Silver and Bronze. These plans vary in their deductibles, copays and monthly premiums. For example, with a Platinum Plan, the member would be responsible for only 10% of covered services, including behavioral health, while with a Gold plan that goes up to 20%.

Covered behavioral health services for Health Net members might include sessions with a psychologist, psychiatrist or counselor, or alternative levels of care, which can range from a few hours per day to several days a week. Behavioral health coverage from Health Net can also cover inpatient treatment in some cases.

Health Ned medical plans, delivered through MHN, are provided in line with Federal Parity guidelines, which means mental health and substance abuse services have to be covered in a way that’s no more restrictive than medical care.

Programs that are covered may include treatment in a hospital or residential facility, and this can include partial hospitalization and residential treatment. Coverage also includes follow-up and aftercare treatment.

There are costs that are the member’s responsibility with most of these plans, so for example, with the HMO Gold plan offered by Health Net, there is a $600 member responsibility per day for substance use disorder (inpatient) treatment for up to five days, while the member responsibility for outpatient substance use disorder is $30.