Does Health Net cover mental health?
Yes, nearly all Health Net insurance plans cover mental health. Under the Affordable Care Act (ACA), mental and behavioral health treatment must be covered as essential health benefits. These include counseling and therapy, as well as inpatient mental and behavioral health care and substance abuse treatment.
Almost all mental disorders, as well as substance use disorders and alcohol and chemical dependency treatment, are covered by all ACA-compliant health insurance.
However, since insurance coverage is based on medical necessity, Health Net may have
more limited coverage options for common life problems like grief and loss, couples and marriage counseling, career counseling, and general relationship issues.
According to the Health Net website: "Most Health Net plan members have access to mental and behavioral healthcare benefits through MHN, a Health Net company. Please see the back of your ID card or your plan materials for your individual benefits."
What is MHN?
MHN, a subsidiary of Health Net, is responsible for administering their mental health services. MHN provides scientifically proven workplace solutions to help companies increase productivity and improve the lives of their employees.
MHN has an extensive provider network with over 63,000 mental health professionals and 1,500 hospitals and treatment facilities.
Employee Assistance Plans (EAPs) and behavioral health services, as well as organizational growth and wellness programs, are all available through MHN.
What benefits does MHN cover?
An MHN behavioral health plan covers medically necessary mental health treatment and substance use disorder treatment.
Benefits typically include:
Sessions with a mental health professional (i.e., therapists, psychiatrists, or psychologists)
Treatment follow-up and maintenance.
Need more help?
For more details about your Health Net (MHN) coverage, call (888) 327-0010, or refer to one or all of the following documents:
Summary Plan Description,
Evidence of Coverage, or
Your employer’s Group Services Agreement.
Health Net is known for having excellent member support, so do not hesitate to reach out if you need additional information. Health insurance can be extremely confusing.
Some background on Health Net
Health Net is one of the largest health insurance providers in the U.S., with coverage in all 50 states and the District of Columbia.
They offer the following plans:
Preferred Provider Organization (PPO),
HMO (Health Maintenance Organization),
EPO (Exclusive Provider Organization), and
HSP (Health Care Service Plan).
Here are some interesting facts about Health Net:
The California Division of Health Net began as a non-profit organization in 1977 and eventually became a for-profit organization.
They are the only insurance company with a plan that has received the NCQA's (National Committee on Quality Assurance) Multicultural Health Care Distinction across the board.
Tips to find affordable therapy
If you’re looking for a way to find affordable therapy and quality mental health care, here are some tips on how to find affordable, low-cost—and even free—therapy.
Also, you can browse all the therapists who accept Health Net. And also, you can browse therapists and counselors based on the insurance providers they accept.The Monarch Directory by SimplePractice can help you find the right therapist for your needs.