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More than half of the people who need mental healthcare do not receive treatment. Social stigma, a lack of access to providers, general misinformation about mental health, and paying for care are common barriers to treatment. Millions of Americans are uninsured, and those with insurance are often unsure of their coverage, particularly for mental health. an insurance agent discusses paying for mental health treatment in central florida with a couple

At Harmony Hills, we believe in breaking down the barriers to mental healthcare, including paying for mental health treatment in central Florida. Our mission is to provide high-quality, effective mental health and co-occurring treatment to adults in need. Over the years, we have established strong working relationships with insurance providers to help make treatment more accessible and affordable for our clients. While we’re not in-network with Florida Health Care Plans (FHCP), we can help find solutions for you.

Don’t let fear of cost or confusion over coverage prevent you from getting the help you deserve. Contact a Harmony Hills intake specialist today at 855.494.0357.

Paying for Mental Health Treatment with Florida Health Care Plans

Florida Health Care Plans (FHCP) has provided quality insurance coverage to individuals, families, and employers for over 48 years. In addition to having their own FHCP Care Centers, Florida Health Care Plans insurance works with over 9,000 providers.

FHCP works with mental health care providers like us to offer straightforward, easy-to-understand, affordable, and comprehensive coverage for a range of issues, including, but not limited to, the following:

  • Mental health screenings
  • Anxiety
  • Depression
  • Chronic stress
  • Grief and loss
  • Trauma
  • Bipolar disorder
  • PTSD
  • Eating disorders

The exact level of coverage FHCP provides depends upon your specific plan. At Harmony Hills, we know that understanding your insurance benefits can be confusing in the best of times, let alone when you are experiencing a mental health crisis, which is why we’re here to help handle that for you.

Questions to Ask About Your FHCP Insurance Coverage

Before the Affordable Care Act (ACA) of 2008, many insurance companies imposed limits on access to mental health care that was more restrictive than physical health care. State and federal parity laws remove these limits by requiring insurance companies to cover mental health and substance use at the same level as medical needs. Further, insurance companies are no longer allowed to deny coverage for preexisting conditions.

That said, different policies offer different levels of coverage. The following are some essential points to consider when determining your insurance benefits:

  • Provider networks – Insurance companies have a list of in-network providers. Using an out-of-network provider will cost more money out-of-pocket. You can find a complete list of in-network providers on your insurance company’s website. Harmony Hills is not in-network with Florida Health Care Plans.
  • Providers – Be sure the provider you are considering accepts FHCP insurance and find out if they bill the insurance directly or if you must pay upfront and submit a claim to get reimbursement.
  • Copays – A copay is what you pay out-of-pocket for a service. For example, you may pay $20 to see your doctor while the insurance pays the rest. Parity laws prohibit mental health copays from being more than medical copays.
  • Deductibles – A deductible is an amount you must pay before the insurance payments begin. Deductibles can range from $500 to $5000 or more. Knowing your deductible is essential so you can plan for your out-of-pocket costs.

A Harmony Hills intake specialist can guide you if you have questions about your FHCP insurance coverage and work with you to make arrangements to cover your out-of-pocket treatment cost. We are in-network with Community Care Network Optum VA, Aetna, and Certified with Tricare.

Learn More About FHCP Mental Health Treatment at Harmony Hills

At Harmony Hills, our serene 80-acre rural campus provides an ideal environment to escape daily life stressors and receive the mental health care you deserve. We offer a full continuum of care, utilizing evidence-based treatment modalities, including but not limited to the following:

  • Cognitive-behavioral therapy (CBT)
  • Dialectical behavior therapy (DBT)
  • Motivational enhancement therapy (MET)
  • Medication-assisted treatment (MAT)
  • Medication management
  • Eye movement desensitization and reprocessing therapy (EMDR)
  • Trauma incident reduction therapy (TIR)
  • Motivational interviewing (MI)

Harmony Hills is committed to improving the lives of our clients and families through integrative treatment approaches. If you are ready to overcome a mental health disorder or dual diagnosis, reach out to the Harmony Hills team today. Our team is available around the clock and can help you navigate your FHCP benefits. Contact us at 855.494.0357 or by filling out our online form.