female health insurance broker

First Light Recovery is committed to helping individuals overcome their mental health challenges, and we understand that access to quality treatment is crucial. One important step towards receiving the care you need is finding an insurance company that can cover mental health treatment. 

By doing so, you can alleviate the financial burden that often comes with seeking professional help, and allow yourself to focus on your recovery journey. It’s important to take the time to research and compare different insurance plans, ensuring that you find one that fits your specific needs and offers comprehensive mental health coverage. 

Remember, seeking treatment is a courageous step, and finding the right insurance coverage can help make the process smoother and more manageable.

Kaiser Members: Key Points for Initiating Treatment Services

  • Contact your Primary Care Physician, Kaiser Psychiatrist, Kaiser Therapist, or Customer Service (number on the back of your Kaiser card) to request a Residential Treatment Referral.
  • Kaiser will evaluate your case and provide a referral for the appropriate level of care.
  • This referral is required before admission to any Kaiser treatment facility.
  • If you believe First Light Recovery is a good fit, inform your Kaiser team of your preference.
  • In-Network (IN) means your insurance carrier is contracted with an approved provider reducing your out-of-pocket
    cost and makes placement a faster/easier process.
  • Out of Network (OON) means that your insurance does have coverage for the facility, however does not
    have pre-negotiated rates. This will typically result in a higher initial deductible, as well as being
    responsible for the remaining balance of what your insurance does not pay.
  • Co-Insurance is the percentage of the overall cost you are responsible for until your deductible and
    out of pocket maximum is met.
  • Essentially there is very minimal difference between your deductible and out of pocket. Typically,
    once a member meets their deductible cost, the insurance carrier will begin to cover services. Once the
    out of pocket is met, the insurance carrier will cover the maximum amount they allow for the services
  • An Explanation of Benefits is like a receipt. It outlines what services were billed, what the insurance
    covers, and what is the members responsibility to pay. It is not a bill; it is determined by the provider if
    the remaining balance will be collected.
  • For any plan information you can always call the customer service line on the back of your card. You
    can also have the provider verify your benefits by providing insurance information.
  • Typically, your deductible applies to your out of pocket. This is not always the case but a majority of
    the time its best to look at it as one number broken into parts. Example; $200 deductible with a $400
    out of pocket means you will need to meet a total of $400.