Understanding Coverage

Insurance

At Altura Mental Health, we strive to make our services as accessible and affordable as possible. We understand that navigating insurance can be confusing, so we’re here to help you every step of the way. Here’s how our insurance process works and the options available to you:

Coverage for Your Care

Accepted Insurance Plans

We accept a wide range of insurance plans to ensure you can access the care you need. Some of the major insurance providers we work with include:

Aetna
Anthem Blue Cross
Blue Shield of California
Cigna
Health Net
Molina Healthcare
Oscar Health

Scripps Health Plan
Sharp Health Plan
Tricare
TriWest
United Healthcare
Valley Health Plan
Western Health Advantage

If your insurance provider is not listed, please contact us to verify if we accept your plan. We continuously update our accepted insurance plans to accommodate as many patients as possible.

Verifying Insurance

Navigating insurance coverage can be complicated, but our experienced team will help verify your benefits and ensure you understand your coverage. Here’s how we assist:

Insurance Verification

Before your first appointment, we will verify your insurance benefits to provide clarity on what services are covered and any potential out-of-pocket costs.

Cost Estimates

We provide detailed estimates for any out-of-pocket costs based on your insurance plan, so you know what to expect.

Claim Submission

Our dedicated team handles the submission of insurance claims on your behalf, streamlining the billing process and reducing the hassle for you.

Still have questions?

Give us a call, we’re here to help!

Benefit Insights

Understanding Your Benefits

Understanding the details of your insurance benefits can help you make informed decisions about your care.
Here are some key aspects to consider:

In-Network vs. Out-of-Network

In-network providers typically offer lower out-of-pocket costs. We will help you determine if Altura Mental Health is in-network with your insurance.

Deductibles and Co-pays

These are amounts you may need to pay before your insurance begins to cover services. We will explain how these apply to your treatment and provide clear guidance on your financial responsibilities.

Coverage Limits

Some plans have limits on the number of therapy sessions or specific treatments. We will help you understand any limitations and plan your treatment accordingly.

How It Works

Navigating the Insurance Process

Verification of Benefits

When you first contact us, we will verify your insurance benefits to understand what is covered under your plan. This step helps us provide you with accurate information about your coverage and any out-of-pocket costs.

Explanation of Benefits

Once your benefits are verified, we will explain what your insurance plan covers, including any copayments, deductibles, and coinsurance. We will also provide an estimate of the costs you might incur during your treatment.

Pre-Authorization

For certain services, your insurance provider may require pre-authorization. Our team will handle this process, ensuring that all necessary paperwork is completed and submitted on your behalf. We will keep you informed of the status and outcome of the pre-authorization.

Billing and Claims

We will submit claims directly to your insurance provider for the services rendered. Our billing team will handle all the paperwork and follow up with your insurance company to ensure timely payment. If there are any issues or delays, we will work diligently to resolve them.

Coverage Alternatives

Out-of-Network Options

Affordable Care for All

If we are not in-network with your insurance provider, you still have options:

Out-of-Network Benefits

Some insurance plans offer out-of-network benefits, which can cover a portion of the costs for services provided by out-of-network providers. We will help you understand your out-of-network benefits and provide documentation to submit claims to your insurance company.
Sliding Fee Scale

For those without insurance or with limited coverage, we offer a sliding scale fee structure based on your financial situation. Our goal is to ensure that financial barriers do not prevent you from accessing the care you need.
Payment Plans

We understand that treatment costs can add up. To help manage expenses, we offer flexible payment plans that allow you to pay for your treatment over time. Our team will work with you to find a payment plan that fits your budget.

Financial Assistance

Support When You Need It

We are committed to making mental health care accessible to everyone. If you are experiencing financial hardship, please let us know. We offer financial assistance programs to help cover the cost of treatment for those who qualify. Our team will guide you through the application process and determine the level of assistance available to you.

The Process

Getting Started

To begin your journey with Altura Mental Health, follow these steps:

Contact Us

Reach out to our team via phone or our online contact form to start the process.

Insurance Verification

Provide your insurance information, and we will promptly verify your benefits.

Initial Assessment

Schedule an initial assessment to discuss your needs, goals, and treatment options with one of our experienced therapists.

Personalized Care Plan

Collaborate with our therapists to develop a personalized treatment plan tailored to your specific needs, ensuring the most effective and compassionate care.

Insurance FAQS

Frequently Asked Questions

Your Insurance Questions Answered

What if my insurance plan is not listed?

How do I know what my insurance covers?

We will verify your benefits and explain what your insurance plan covers, including any out-of-pocket costs you might incur.

What if my insurance does not cover all the services I need?

We offer sliding scale fees, payment plans, and financial assistance to help cover the costs of services not covered by your insurance.

Do you offer financial assistance?

Yes, we offer financial assistance programs for those who qualify. Contact us to learn more about the application process.