PPO Coverage
PPO Insurance Coverage for Rehab at URP Behavioral Health
When deciding on an insurance plan an individual may face multiple offers in the market which may make them confused. Among others, PPO insurance plans (also known as Preferred Provider Organization) are the most beneficial for their holders.
Our clinic is glad to announce our participation in the PPO network of healthcare providers as an in-network mental healthcare provider covering mental health treatment by PPO for our patients.
URP Behavioral Health offers a comprehensive evidence-based approach to rehabilitation methods related to mental health issues. Our patients entrust to us the most precious thing they have, their mental health and wellness. Several reasons refer to this trust including the following:
- High expertise of our practitioners which helps patients to get relief and maintain their mental health even in the most complicated cases.
- Availability of the fullest spectrum of mental health care services for patients and their families.
- Individual planning for rehabilitation which refers to the uniqueness of each patient and their unique needs.
Lastly, our services are widely covered by most insurance providers including PPO plans.
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The History of PPO as a Leading Health Insurance Option
The beginning of PPO as an insurance program dates back to 1980 when the first program of that kind was proposed by Samuel Jenkins, an employee of the Segal Group, an HR and benefits consulting company in Denver. The first PPO program was launched at St. Luke’s Medical Center the same year, and by 1982, over 40 similar plans were developed. Since that moment, both healthcare providers and patients evaluated the core benefits of subscription-based insurance plans, particularly:
- Its wide network of partnering providers offers comprehensive healthcare services to PPO users.
- Its flexibility as PPO insurance plans don’t require a patient to get referrals to visit a specialist or to choose a primary care provider prior to getting specialist’s care.
- Proposed coverage for the services of out-of-network providers also brought credit to PPO.
Firstly, PPO programs were available for Colorado residents, but soon they became widespread and covered most Western United States. Today, all 51 states have their PPOs available, and as stats say, it remains the most common insurance plan type with over 48% of all covered employees enrolled in it.
What is PPO Rehab Insurance Coverage?
If you wonder what is PPO insurance for rehab services, then you are at the right place to learn about it. The principle of PPO programs is to provide as full coverage for health care services as it is possible for most types of treatment American patients need. Rehabilitation programs are no doubt among these types.
Rehabilitation coverage by PPO can be described in the following points:
- A patient selects the PPO insurance plan which meets their needs and subscribes to it.
- Then it’s up to a patient to learn which healthcare providers are in-network in their residence area. Typically, these providers are diverse and include medical counselors, primary care providers, clinics, hospitals, rehabilitation facilities, and even dental care clinics.
- If your chosen rehabilitation provider is an in-network one, you can rely on PPO to cover most of the expenses while your out-of-pocket costs will be moderate.
- If you choose an out-of-network rehabilitation facility, you still can count on PPO coverage, yet its volumes may be reduced.
Thus, the coverage PPO offers in its plans works for rehabilitation services by both in-network and out-of-network healthcare providers.
The Major Types of PPO Plans
- Traditional plans which provide patients with the opportunity to get in-network providers’ services for lower out-of-pocket costs but for higher deductibles if getting out-of-network providers’ services.
- High-deductible plans provide higher deductibles to save on pre-tax expenses.
- PPO Plus plans are offered by some providers to cater additional benefits to their patients.
- Employer-sponsored plans tailored to the needs of companies providing healthcare insurance to their employees.
- Medicare PPO plans typically cover Medicare Plan-C services along with Plan-A and Plan-B and sometimes, even Plan-D.
Does PPO Cover Rehab for Mental Health Treatment?
- Diagnostics and mental health screenings.
- Therapy and medical counseling services. You can opt for counseling sessions for you or your family members, various types of group therapy or family therapy sessions, and other mental health therapy modalities.
- Various inpatient treatment plans for mental health rehabilitation. Inpatient programs are used to place a patient in a structured environment within the rehabilitation facility to provide intensive and round-the-clock care.
- Outpatient rehabilitation programs including intensive outpatient treatment offer patients continuous support after more intensive treatment programs. Outpatient rehabilitation doesn’t need a patient to remain in a rehab facility all day long.
- Medical-assistant treatment and medication management programs which accomplish psychotherapy or other therapeutic methods with drug prescriptions for the highest efficiency of treatment.
Mental Health Programs Covered by PPO Insurance
- Cognitive behavioral therapy is a program catering to changes in the negative and harmful thought patterns of a patient.
- Dialectical behavioral therapy which adds the concepts of mindfulness to traditional CBT methods.
- Psychotherapy for both individuals, family, and groups. These programs provide comprehensive methods addressed to specific psychiatric conditions.
- Holistic therapy programs which combine classic therapies with alternative methods like mindfulness, yoga practices, art therapy etc.
What Mental Health Disorders Does PPO Cover?
Depending on the chosen therapy type covered by PPO, you can apply for help in rehabilitation from multiple mental health disorders. Particularly, at URP Behavioral Health, you can get rehab services and comprehensive care for the following mental health issues:
- Depression;
- PTSD and trauma-related disorders;
- Anxiety disorders of various types including generalized anxiety disorder, social anxiety disorder, and illness anxiety disorder;
- Bipolar disorder and its specific types accompanied by other mental health disorders;
- Dissociative disorders of various types;
- Obsessive-compulsive disorder;
- Schizophrenia and schizoaffective disorder;
- Panic attacks;
- Self-harm and suicidal behavior of different types.
Besides, we work with complex conditions requiring dual diagnostics when a couple of illnesses are inducting one another in one patient.
How Much Does PPO Cover For Mental Health Treatment?
PPO provides the maximum flexibility in coverage for mental health rehabilitation. As there are various PPO plans, you should primarily verify your insurance policy if it is qualified for PPO coverage. You can get accurate calculations for your rehabilitation costs and their coverage by PPO right on our website. Please, use our verification form on the main page to verify your policy. As part of the PPO network, we offer affordable mental health rehab services to the members of this insurance program.
Stay safe and healthy and do not neglect your mental health. With the help of URP Behavioral Health and PPO insurance, you can timely get help from the best practitioners in your area and start your treatment plan without additional financial burden.
