If you have a mental health disorder affecting your life, inpatient mental health treatment can help. However, the high cost of residential treatment in Florida can often prevent people from getting necessary care.
That’s where your health insurance can make a big difference. If you have MedCost and live in Florida, your benefits can significantly reduce the cost of mental health treatments.
At Mark Behavioral Health, we’re happy to work with providers like MedCost to make our treatment programs accessible to people in Florida. Read on to learn more about MedCost mental health coverage.
About MedCost Coverage for Inpatient Mental Health Treatment in Florida
MedCost is the largest independent provider network in North Carolina, South Carolina, and Virginia. MedCost also offers national coverage through First Health, which serves over 5 million members.
MedCost is a PPO offering health plans that include mental health services, so you can access care for conditions like depression, anxiety, and more.
For many, insurance coverage is a deciding factor in whether to seek treatment. It can be easier to focus on healing and recovery when you don’t have the stress of huge medical bills in the back of your mind.
Mark Behavioral Health works with MedCost and other major insurers, like Cigna and Humana, to ensure people in Florida get the care they need while minimizing out-of-pocket costs.
How Does Florida MedCost Insurance Coverage Work for Mental Health Recovery?
MedCost offers mental health benefits that help cover the cost of residential psychiatric care and related services.
Specific benefits vary by plan, but MedCost coverage typically includes:
- Inpatient psychiatric care for individuals needing structured, 24/7 support
- Medication management to help you maintain stability during treatment
- Therapeutic interventions, including evidence-based treatments like cognitive behavioral therapy (CBT) and dialectical behavior therapy (DBT)
- Individual and group therapy sessions
- Co-occurring disorder treatment for people struggling with mental health conditions and substance use disorders.
It’s important to understand your MedCost insurance plan fully. Before starting a treatment plan, look at aspects of your plan, like your coverage limits, co-pays, and deductibles.
Does MedCost in Florida Cover Inpatient Mental Health Treatment?
Yes, MedCost is legally required to provide inpatient mental health care for people in Florida.
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), insurance companies must offer mental health benefits and addiction treatment to the same degree as other medical conditions without additional restrictions.
The Affordable Care Act (ACA) also stipulates that healthcare providers must include mental health benefits. That said, there are still limitations to know.
Here are some key points about MedCost’s mental health coverage to keep in mind:
- If you live in Florida, you may have First Health through MedCost, which is their national coverage plan.
- Inpatient treatment is covered, but there may be limitations on the lengths of stay.
- Preauthorization may be required for certain services and extended stays.
- Co-pays and deductibles vary based on your specific plans.
- Some plans may limit the number of therapy sessions or require a referral.
- Coverage is available for in-network providers, and out-of-network care will likely have higher costs.
Other Mental Health Programs in Florida Covered by MedCost
MedCost provides coverage for a variety of mental health treatment programs in Florida.
These programs may include:
- Residential treatment programs
- Medication-assisted treatment
- Partial hospitalization programs (PHPs), intensive outpatient programs (IOPs), and other outpatient services
- Dual diagnosis treatment for co-occurring mental health issues and substance abuse
Mark Behavioral Health offers high-quality inpatient treatment to people in Florida. We work with MedCost to offer you affordable, evidence-based care.
While we do not provide outpatient treatment, substance use disorder care, or dual diagnosis care, we can refer you to quality care providers who do.
Mental Health Therapies in Florida Covered by MedCost
MedCost covers various therapy approaches and services offered in Florida for mental health care, including those we offer at Mark Behavioral Health.
These therapies include:
- Cognitive behavioral therapy (CBT): Helps reframe and change negative thinking patterns and behaviors.
- Dialectical behavior therapy (DBT): Helps deal with intense emotions through coping skills and emotional regulation techniques.
- PTSD treatment: Addresses and processes traumatic experiences that impact your mental health.
- Medication management: Monitoring and adjustment of medications necessary to support recovery.
Types of Mental Health Disorders Covered by MedCost in Florida
Insurance providers like MedCost cover most diagnosable mental health conditions.
Here are a few examples of what’s covered:
- Anxiety disorders: Chronic worry, panic attacks, or excessive fear that interferes with daily life and mental wellness.
- Bipolar disorders: Extreme mood swings between depression and mania that affect emotional stability.
- Depressive disorders: Persistent feelings of sadness, lack of motivation, and loss of interest in activities.
- Mood disorders: Conditions affecting mood regulation and emotional well-being.
- Post-traumatic stress disorder (PTSD): Anxiety and emotional distress triggered by past trauma.
- Obsessive-compulsive disorder (OCD): Unwanted intrusive thoughts or obsessions coupled with repetitive behaviors or compulsions.
- Panic disorders: Recurring episodes of sudden and intense fear or distress, often accompanied by physical symptoms like shortness of breath.
- Attention-deficit/hyperactivity disorder (ADHD): A neurodevelopmental condition characterized by symptoms like difficulty focusing, impulsivity, and hyperactivity.
- Schizophrenia: A mental health disorder that affects thoughts and behaviors, causing symptoms like hallucinations, delusions, and disorganized thinking.
Mark Behavioral Health offers inpatient treatment to people in Florida seeking quality care for these disorders.
Inpatient Mental Health Services Covered by MedCost in Florida
MedCost covers inpatient mental health services in Florida that are considered medically necessary.
These services may include:
- Psychiatry assessments
- 24/7 inpatient monitoring
- Medication-assisted treatment and medication management
- Individual, group, and family therapy sessions
- Aftercare and discharge planning
How Much Do Inpatient Florida Mental Health Programs Cost with MedCost?
The cost of inpatient mental health treatment in Florida with MedCost depends on several factors.
Your cost of care varies based on:
- Your specific health insurance plan: Coverage levels and copays vary by policy.
- Length of stay: Longer stays may require additional authorization.
- Treatment facility costs: Each rehab center has its own pricing for programs and services.
- Out-of-pocket expenses: Deductibles, co-pays, and coinsurance affect the overall cost of care.
- In-network providers vs out-of-network: There are many mental health options out there, but choosing an in-network provider is typically best to minimize out-of-pocket expenses.
Using MedCost insurance can significantly reduce your financial responsibility. But it’s essential to verify your coverage details first.
How to Check Your MedCost Coverage for Inpatient Mental Health Care in Florida
There are two simple options for verifying your MedCost benefits.
Your options include:
- Contact MedCost directly: Speak with a MedCost representative and ask about your mental health coverage, co-pays, and deductible requirements.
- Verify your insurance with Mark Behavioral Health: Our team can check your benefits and explain your treatment options and potential costs.
Verify Your MedCost Coverage and Start Mental Health Treatment in Florida
Healthcare expenses shouldn’t stop you or a loved one from getting the help you need.
At Mark Behavioral Health, we work with MedCost and other major insurance providers like Aetna, Blue Cross Blue Shield (BCBS), and United Healthcare to provide top-tier inpatient mental health care to the people of Florida.
Contact us today to verify your insurance and take the first step toward lasting recovery.
