mhnet insurance

MHNet is a health insurance provider that specializes in mental health issues like addiction. If you do not have the proper addiction coverage, rehabilitation can be extremely expensive. It is like getting help for any other disorder. There are many clinics at various prices. What you need to remember is that just because it is a good “deal” does not mean that it is the best clinic for you or that it will be able to help you succeed. Top programs like DreamLife Recovery  are here to help.


What is the Most Important Thing to Look for in an Addiction Recovery Clinic?

Finding the clinic that suits you, your health needs, and your individuality is the best and the most important thing. Mental health care is not like cancer and heart disease in that it matters if you like your doctor.


What Should I Do if I Don’t Like My Psychologist?

You could hate your heart surgeon, but if they are rated best in the country and have the best track record, they just might be the right doctor for you. Finding help for your mental health disorder is different. It is important that you like and feel like you can trust your doctors and therapists. If you do not feel comfortable with them it makes it hard for you to share the intimate details of your life, your problems, and your weaknesses with them.

This does not mean that any doctor you personally like is the best for you. You have to find a doctor who you like, has a good track record, has specialized education in addiction and other mental health disorders, and who is available to you at the right time.


Do All Addiction Clinics Provide a Choice Between Several Doctors?

We, at DreamLife Recovery, provide a variety of doctors and therapists. If you do not feel comfortable with your doctor and/or therapist here at DreamLife Recovery, we have several other psychologists and therapists you can go to in the same clinic. A psychiatrist is the mental health care professional who prescribes your medication. Psychologists are the doctors who provide specialized therapy and counseling.

In other words, your psychiatrist has their M.D. M.D stands for Doctor of Medicine. Your psychologist will have at least a doctorate also giving them the formal prefix of doctor but only the M.D can prescribe medications. Medications used for processes like medical tapering are overseen by the M.D. The M.D also oversees all of the medication you will need if you have co-occurring disorders.


Can Mental Health Disorders Cause Addiction?

Co-occurring disorders are when a person has an addiction as well as another mental health disorder. You can have more than one other mental health disorder paired with your addiction disorder. Your psychiatrist, psychologist, and therapists will all work together to determine if your addiction was caused by a mental health disorder if your addiction is causing the mental health disorder and if there are several mental health disorders present along with your addiction, or one. In some people, an addiction disorder is present without any co-occurring mental health disorders.


What is an Addictionologist?

Maybe the most important thing to look for in a mental healthcare clinic is if they have an addictionologist. An addictionologist is a psychiatrist (M.D) who specializes in treating addiction. As the health care field is starting to understand, addiction cannot be treated like any other health disorder. It needs its own specialty. A good psychiatrist will be able to help someone with addiction because they usually have at least some training. An addictionologist, like ours at DreamLife Recovery, is the best qualified to offer you proper care.


How Do I File a Claim at MHNet?

MHNet has a specific procedure it requires its clients to follow. When you contact us at DreamLife Recovery, we can help you through this process to make sure all the necessary steps are taken.

  1. Initial Diagnosis

You go to a general practitioner approved by MHNet for addiction diagnosis. You will meet with one of their in-network doctors and they will evaluate you. This is the beginning of the process and it is important that your doctor is in the MHNet network. You can either call MHNet yourself, ask your physician to call them, or we can call them on your behalf.

If your general practitioner is not in the MHNetwork, we can work with you and MHNet to find a doctor who is. Your current doctor will not take offense. Doctors are medical professionals. A good doctor would rather you see someone else for only one or two visits and for you to get the help you need than for you to see them at all times. You will need to go to an MHNet approved doctor for your diagnosis and any drug-related appointments. You may otherwise be able to see your usual general practitioner afterward.

  1. Primary care referral

If your doctor believes that you have an addiction disorder, they will file a report to MHNet on your behalf. They will also evaluate what treatments will help you such as detoxification, residential treatment, partial hospitalization, intensive outpatient treatment, etc. Your doctor will fill these forms out for you and submit them to MHNet.

  1. Addiction treatment evaluation

MHNet will work with you to find the right addiction treatment center. MHNet is one of the top insurances accepted by DreamLife Recovery.

  1. Enrollment

After you have chosen your recovery facility the admissions process will start soon. In some instances, you could start our program in just a few hours.


What are Some Important Insurance Terms?

Before you start working with any insurance company here are a few helpful insurance terms to know so that both you and your insurance company are on the same page:

  • Provider:

A provider is any medical entity like a doctor, hospital, or medical clinic that provides you with health care

  • Coverage:

Coverage is the amount that an insurance company will pay for, or “cover” when you go see your provider. Coverage was agreed upon when you signed your insurance plan.

  • Out of pocket:

Out of pocket is a term for any money that a client of an insurance company must pay themselves that is not reimbursed by the insurance company. Usually, however, if someone is talking about a copay or deductible, they will use those terms instead of out of pocket. An example of an out of pocket expense might be if your child is getting braces and your dental coverage will pay for the braces themselves but they will not cover the exam you need to prove your child needs braces. The exam expense is called out of pocket because the insurance company is not paying for the exam upfront or reimbursing you for the cost in any way.

  • Deductible:

Your deductible is the portion of your insurance plan that you pay yourself up until your insurance starts to pay. Usually, it is a certain amount of doctor’s and/or facility’s services or products like wheelchairs or x-rays that you pay for yourself. After you spend this pre-agreed-upon amount of money the insurance company will pay for at least part of your medical expenses on covered costs from that point forward.

  • Copay:

After you meet your deductible you might still be required to pay for a small part of your medical treatment. If this is a fixed amount it is called a copay.

  • Coinsurance:

If you must pay a percentage of your treatment instead of a fixed amount it is called coinsurance instead of a copay.

  • Comprehensive coverage:

If a person has comprehensive coverage it means that they have bought insurance that only deals with certain situations. For example, if someone buys wind insurance but not flood insurance it means that if their roof shingles blow off in a storm the insurance company will pay for the repair to their roof. However, if there is a flash flood and their house is flooded the insurance company will not pay for the damage caused by the flood because the person did not want to pay for flood insurance when they signed up for their plan.

  • In-network:

Doctors and facilities that are in-network are the providers that an insurance company usually covers expenses from. They often have a proven track record that the company likes, and they are willing to work with you and the insurance company on payment plans and prices.

  • Out-of-network:

Doctors and facilities that are considered out of network will not usually be the ones that the insurance company will cover the cost of. Being in or out of network does not always depend on the quality of the provider.


Does Free Help for Addiction Exist?

The good news about MHNet is that in some cases your drug and/or alcohol rehabilitation might be free with certain MHNet policies. The MHNet insurance system was set up specifically to provide health insurance for people with mental disorders, including addiction. One of MHNet’s guiding principles is to preserve patient dignity.


What Should I Know About Addiction Recovery?

Being treated with dignity is one of the most important things for someone who is recovering from addiction. It can feel very humiliating to have a problem like an addiction. Addiction is a medical disorder like cancer. Many people turn to addiction because they have or feel like they have nowhere else to turn because they are in pain from mental illness, trauma, and other painful conditions.


What Should I Do About My Addiction?

We at DreamLife Recovery take you very seriously. You are not broken. You are not, “not enough”. You are a person who may have made some mistakes and done some things that are not right. Everyone has. We are all flawed, and we need to come together and make each other better.

Article Reviewed by Lidice Morales

Lidice MoralesLidice Morales, an honors graduate from the Kaiser University, has made a name for herself as the Director of Nursing at several behavioral health facilities and as the Director of Operations for Detox MD. Now she is the VP of Operations at DreamLife Recovery. She strives for better patient care through constant self-improvement and furthering her education. Her steadfast work ethic and passion in the field has remained the most important aspect of her professional career; showing dedication to not only the acquisition of new knowledge, but also its mastery. Lidice believes that a professional work atmosphere fosters cohesion and malleability amongst herself and her coworkers; thereby increasing both the level of patient care and quality of life.

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