Empire Coverage
Empire Insurance Coverage for Rehab at URP Behavioral Health
The market for healthcare insurance fluctuates constantly. It has its ups and downs, some agents increase their value while others tend to fail. Did you know that two decades ago, not-for-profit insurance plans took over 73% of the whole American adult population? Things changed after 2014 with the advent of ACA-compliant plans for for-profit insurance companies. We can say that Empire insurance contributed to these changes greatly.
Today, URP Behavioral Health is truly proud of being a loyal partner of the Empire Insurance Company, which contributes greatly to the maintenance of the mental health of our patients.
By uniting our expertise and opportunities, we developed a workable algorithm which brings multiple profits to the customers using Empire insurance plans and applying for the services of therapists and medical counselors from URP Behavioral Health.
If you are still looking for the most efficient and careful treatment for the benefit of your mental health, we gladly invite you to get rehabilitation from URP Behavioral Health’s specialists covered by Empire.
Let us guide you towards healing
We know that seeking treatment can be overwhelming, but our staff is here to make the process as smooth as possible. We’re available 24/7 to address any questions or concerns you may have.
History of Empire Insurance
The glorious name of Empire was taken decades ago to enclose the main goals of the insurance company that emerged in Minnesota years ago. Since its inception, the Empire Insurance Company has grown and expanded its values and goals to serve the American society in 10+ states with the overall coverage for most insurance cases.
The secret is that the Empire unites 70+ local insurers into a reliable and effective network with multiple custom-developed insurance plans offered to customers. Besides healthcare, Empire proposes insurance programs for home, boat, RV, motorcycle, and overall (umbrella) insurance for individuals and their families. The commercial insurance pack by Empire includes commercial liability insurance, corporate auto insurance, and commercial property insurance. Besides, there is special workers’ compensation insurance which can be profitable for business owners and their employees.
Yet, the main focus of the company remains on health care insurance, and mental health protection is among its core values.
What Is Empire Rehab Insurance Coverage?
An average Empire plan for mental health includes rehab coverage as it is prescribed by the Affordable Care Act issued in 2014]. This act provides equality for both physical and mental impairment care coverage by private and governmental insurance programs.
That’s why Empire Insurance is one of the best options for the residents of the states where its programs work including Minnesota (the homeland of Empire), Wyoming, Idaho, North Dakota, South Dakota, Illinois, Arizona, Nevada, Indiana, and Philadelphia.
All these states residents can apply for urgent or planned rehabilitation programs covered by the insurance provider which belongs to the Empire Insurance group.
Today, the list of referral insurance providers of this company includes:
- 70+ insurance companies;
- 15+ experts in healthcare insurance and specifically mental health insurance;
- 10+ states for the coverage.
Such solutions provide extreme flexibility and a customer-oriented approach, which result in amazing opportunities to get timely and cost-effective rehabilitation in the case of mental health issues of various types.
Does Empire Cover Rehab for Mental Health Treatment?
Yes, if you suffer from mental illnesses or your mental disorder emerges, you can simply rely on the Empire to get your rehabilitation covered by your insurance plan. However, you should understand that Empire’s insurance plans are quite diverse, they refer to both individual and commercial insurance plans, and they differ in their coverage.
The essence is Empire is a conglomerate of 70+ insurance companies which have various policies and competencies and they provide different insurance plans. That’s why if you want to get mental health treatment and pay low cost for it, the first step you should take is to verify your Empire insurance policy to qualify for the therapy and rehab plan you need to undertake.
You are welcome to do this using two basic methods:
- Contact your insurer in your residence area and ask for the details of your policy and its coverage.
- Verify your Empire insurance policy on our website to get relevant information and start your rehabilitation program immediately if you qualify for it.
Mental Health Programs Covered by Aetna Insurance
A commonly used policy for the Empire’s mental health rehabilitation programs includes as following:
- Outpatient therapy for individuals;
- Outpatient group therapy;
- Outpatient family therapy;
- IOPs or intensive outpatient therapy programs;
- Partial hospitalization programs aka PHPs for higher-efficiency mental health support;
- Medication-assisted therapy, which is also known as MAT for combined drug and therapeutic support of a patient;
- Specialized therapies related to psychotherapeutic methods. These are always evidence-based methods like Cognitive behavioral therapy (CBT) and Dialectical behavioral therapy (DBT), art therapy, etc.
All these methods are proven to be helpful in the rehabilitation of multiple mental health disorders, and you can rely on them in your recovery while you rely on Empire in the matter of cost coverage to get them.
What Mental Health Disorders Does the Empire Cover?
- Depression and depressive disorders of various intensity and origin;
- Bipolar disorder and related to it mental state conditions;
- Dissociative disorders spectrum from dissociative episodes to a full-fledged dissociative disorder or split personality disorder;
- Bipolar disorder and its varieties;
- Obsessive-compulsive disorder and its derivatives;
- Post-traumatic stress disorder and trauma-based or trauma-related conditions;
- Anxiety disorder and panic attacks;
- Schizophrenia and schizoaffective disorder;
- Borderline personality disorder and psychosis episodes related to it.
All of them and lots of conditions related to them are the subject of rehabilitation programs of URP Behavioral Health with Empire as a reliable partner in financing their treatment.
How Much Does the Empire Cover For Mental Health Treatment?
Today, almost every of Empire’s insurance plans provides coverage for mental health rehabilitation. Yet, you should be aware of the possibility of rejecting your policy to cover your rehabilitation because of your policy’s age (if it was issued prior to 2014 when the Affordable Care Act was established) or due to private conditions applied).
Moreover, the best thing is to ensure that your Empire policy relates to current URP Behavioral Health rehabilitation programs by verifying your policy on our website.
- You have still to woven into the initial rehabilitation budget some out-of-pocket expenses. Typically, there are co-payments for the counselling visits, therapist’s visits, or therapeutic sessions which are co-covered by Empire and a patient 50/50.
- Some types of policies can be activated only after you take medical services out of pocket for a fixed amount. Thus, if you spent this year over $1,000 for example, your policy starts to cover the rest.
- The amount of coverage depends on your insurance provider (as Empire merged with 70+ other smaller providers and they somehow retain their own rules and policies), on your residence place, and often on the time of rehabilitation process and the number of healthcare services included.
Let’s make some summaries. Empire is among the most reliable healthcare insurance providers working state-wide. Its coverage is accessible for the residents of 10 states, and its plans meet most needs of individuals and businesses.
That’s why in URP Behavioral Health, we rely on Empire and offer their customers to get top-notch custom-tailored services for their mental health rehabilitation and rehab services for their family members covered by Empire.
It is efficient, cost-saving, and safe for you to get our therapy covered by Empire Insurance. So, you are welcome to join us and get diagnostics, individual treatment plans, therapy for individuals, families, or groups, and combined medicinal-therapeutic plans covered by Empire.
