Last Updated on November 21, 2021 by Ben Lesser
According to reports, approximately 26% of Americans have a mental health condition diagnosed using the DSM-IV. Unfortunately, the Washington Post states that an estimated 45 per cent of those people donot go mental health treatment due to the high costs of mental health treatment. This is a shocking statistic, as many people require mental health treatment for mental health issues, and some illnesses can worsen over time.
There are several options available to you as a patient receiving home healthcare care for mental health treatment. Most payment plans and programs are based on a sliding-scale fee schedule negotiated with your physician. A typical payment plan for mental health treatment would pay a predetermined monthly fee for two months of in-home treatment. The remaining balance would be paid by way of a Medicare supplement. Payment plans are generally very effective in providing financial assistance to those receiving various mental health treatments in the comfort and security of their own home.
There are several payment options that can be made available to you, depending on the type of mental health treatment you are receiving. Some of these payment plans offer coverage for up to six months, while others may cover as little as three weeks. Be sure to ask the doctor or other staff members handling your case about the payment options for the home health care mental health treatment you are being offered.
What are the Effective Treatments for Mental Illness?
Mental Health Parity and Addiction Equity Act of 2008 stated that group health insurance providers do not impose any financial obstacles to mental health treatment as opposed to physical health treatment. Although it did not mandate policies to cover mental wellbeing, it did mean that those who did should not limit individuals’ exposure to mental health treatment. This, thankfully, has made it easier for some people to receive much-needed medication. Furthermore, the bill would require that state-based insurance policies provide mental health and addiction coverage.
Insurance companies were not expected to provide psychological well-being insurance as part of their group policies prior to this law. This law made them consider those individuals worthy of the mental health treatment policies who suffer from psychological well-being conditions. That was because, as the N.E.J.M states, psychological well-being and addiction care have generally been separated from the rest of medicine. This confusion may have contributed to the stigma that psychological patients have generally faced, as previously discussed. As a result of this deficit, patients and their families were unable to receive much-needed care for mental health treatment, requiring them to pay for it out of budget. Even when these disorders are not considered diseases, who is going to treat them publicly and why?
The initial legislation was passed by Premier B. Clinton in 90’s that had no provisions for drug addiction, mental health treatment and alcohol addiction problems, as per the N.A.M.I. President G.W. Bush signed the OAPRA, twelve years later, which puts the same limits on substance abuse disorders as it does on medical and surgical privileges. So, there was a need to extend the circle for those who were suffering from the hidden mental diseases and were in stigmas of the illnesses.
It not only did not cover drug abuse problems, but it also had a variety of gaps that employers and insurers used to avoid having to standardize policies. For instance, policies may be restricted to just ten clinical check-ups for a case of significant anxiety (even though it may be a lifetime disease for the majority of victims, as per the JCD), and insurers could charge a higher consultation fee for a psychological well-being consultation than for a physical issue, without breaching the rules. So, MHPA was not enough to maintain a weight between psychological well-being disorders and physical health disorders.
The gap was filled when the MHPA was expanded into the MHPAEA in 2008. This act helped many patients with psychological well-being issues get in the way of mental health treatment explicitly with the help of government policies.
Are people aware that psychological well-being and substance abuse disorders are covered by health insurance?
Since few Americans are conscious that their psychological well-being rights are guaranteed by law, such violence was (and continues to be but to a lesser degree) inevitable. Even though twenty-seven percent of the total population of the USA has received psychological well-being care services at least once in their lives, according to a study conducted by the APA in 2014, only four percent of the total American population are aware that the MHPAWA exists in reality. In North America, psychological well-being disorders are the leading cause of disabilities, with more than forty-one million victims who are suffering from some type of mental disorder in the United States alone. Even having a practical and straightforward significance for those who want to be treated against their mental disorders, MHPAEA is not so common in people of America. They are unaware of the fact that this law can change the lives of those who are addicted to some substance abuse. In order to make them benefitted from this law, the government and concerned authorities of America need to spread the good word of the act.
The American Psychological Association, citing data from the SAMHSA, stated that approximately eleven million individuals from the population of the USA had unmet psychological health care needs, highlighting the importance of legislation including the MHPAEA.
Here are some fast facts about health insurance and mental wellbeing:
- Mental health parity standards for insurance are currently in effect in over 40 states.
- According to the New England Journal of Medicine, insurers’ costs increased by less than half of the percentage point when health plans for federal workers were forced to offer full parity insurance coverage in 2001.
- Mental health treatment accounts for about 5.6 per cent of overall public healthcare spending in the United States (about $113 million).
- Outpatient administration and prescription medications are usually the most expensive aspects of mental health treatment.
- One-quarter of the almost 16 million Americans who received mental health services were listed as the primary payer for healthcare.
The field of mental health conditions is vast. What works for one person may not work for another. That is why it is essential to get an overall view of your mental health condition. And so, we can say that with the changing mental health treatments, the costs of the treatment plans also vary. So, it is recommended to you pay attention on the treatment plan and cost. Your cultural background can have a significant impact on your mental illness. If you grew up in a culturally rich environment, you are more likely to pick up these mental health conditions than those who grew up in a less diverse place. The richness of your cultural heritage has a lot to do with who becomes an adult. You must identify your cultural background to decide what treatments for mental illnesses are appropriate for you.
In addition to the effects of one’s cultural heritage, other things come into play when analyzing the causes of mental illnesses. These things include genetics, stress, brain chemistry, life experiences, and neurological issues. People outside of culture may have mental health disorders quite different from those within a particular culture share.
Many cross-cultural studies look at the differences between cultures in terms of mental disorders and how they affect individuals. The most common type of research is a qualitative study. Qualitative research is descriptive, and it attempts to describe the feelings and experiences of real people from a variety of cultures.
To learn about effective mental health treatment, you must do more than read a few books on the topic. It would be best if you learn as much as you can about the culture you live in and the people in that culture. Knowing the difference between mental disorders and something that would be considered normal will help you know when something is not normal. Through this, you will treat your disorder better and live a happier, healthier, and longer life.
One example is psychological therapy. In Western countries, many people opt to undergo mental health treatment through psychotherapy. However, in other cultures like those of the East, there is a belief that people with psychological disorders should not seek any tmental health treatment at all and should instead submit themselves to death. Western psychological therapy was created to help people get over their mental illnesses and live healthy and productive lives.
Psychological treatments do not always work in other cultures. However, it is crucial to keep in mind that different types of mental illnesses have different causes. Mental health treatments, therefore, differ depending on the grounds. As a matter of fact, in some cultures, women are expected to be completely shut out of the home, while in other cultures, mental illnesses in women are more likely to be treated through medication and therapy in clinical settings.
The best way to find out about effectivemental health treatment and its costs is to speak to people who have experienced such therapy. No matter how skeptical you may feel about this, it is essential to know that others have been through it and have found mental health to be much better than it had been in the past. You can try to find out the various methods used for mental health treatment in your community. When a loved one suffers from addiction problems or mental health, medication is an utter necessity to live an entire and happy life; however, health care expenses can be a huge barrier to seeking help. Many people who seek mental health treatment pay for it themselves. Of course, depending on the type of mental health treatment, this can be very costly. Some recovery facilities accept benefits and provide payment plans. Check your investments and insurance plan to see what is covered and what you can afford.
Obtaining the Best Mental Health Treatment
If you need mental health treatment, you should find a physician that is a good fit for you. Look for rehab centers that support your benefits, assuming your coverage includes mental health. Alternatively, it would help if you negotiated payment plans with the health clinic of your choice. When it comes to addressing mental health problems, medical or therapeutical care should not be delayed.
Many families are worried about their choices: opt for the comprehensive care that improves the odds of long-term recovery and pays the hefty bill, pays less for outpatient mental health treatment or a combination of addiction treatment services that may or may not address all their addicted loved one’s needs. That is why to keep a balance between all the treatment options and payments you need to pay attention more to focusing the mental health treatment plan and pricing strategy.
The Foundations Recovery Network experts are here to help you find the right treatment plan for you depending on your dependency or mental health condition, lifestyle, and financial circumstance. Enable our care coordinators to guide you through different treatment and rehabilitation plans so you can determine what is right for you.
When you’re done, give us a call, and we are here to assist you very well regarding mental health treatment
Ben Lesser is one of the most sought-after experts in health, fitness and medicine. His articles impress with unique research work as well as field-tested skills. He is a freelance medical writer specializing in creating content to improve public awareness of health topics. We are honored to have Ben writing exclusively for Dualdiagnosis.org.