Insurance Background Info

To find out whether your insurance covers mental health treatment, fill out the online form below. Once you submit your insurance details, one of our admissions professionals will contact you to assist with the next steps.

Verify Your Insurance

Insurance: Terms to Know

Figuring out insurance can be both frustrating and confusing, but it doesn’t have to be. To help you better understand the process, Crownview Psychiatric Institute created a brief glossary of the most common insurance terms:

Deductible: The cost you have to cover for your health care insurance annually before your insurance kicks in and takes responsibility of any further payment. So, if you have $1,000 deductible, you will be required to pay the first $1,000 of your covered services; this may occur in one intensive visit or be spread out over the course of a few routine visits. Once you hit that number, your insurance will cover everything besides copays and coinsurance.

Coinsurance: The percentage of the cost of a health care treatment or service that you are required to pay after the deductible has been covered. So, if your coinsurance is 10% and your doctor’s visit costs $1,000, you will need to pay $100.

Copayment: The set cost you have to pay for a covered health care exam, whether surgery, an ER visit, or simply a check-up. The copay may be due prior to or post-deductible payment, contingent upon your specific health insurance coverage plan.

Out-of-Pocket Maximum: The highest amount of money you will have to pay annually for covered services. Once you hit this maximum via deductibles, copayments, and coinsurance, your health care provider plan will cover 100% of any further medical services for the rest of the year.

Policy Effective Date: The date your insurance company will begin to assist you in health care payments. If you wish to enroll in a health insurance plan, you must enroll during:

Open Enrollment Period: A set period of time that typically occurs in December.

Special Enrollment Periods: Happen after a special event such as a birth, new job, marriage, or if you have lost health coverage.

Your policy effective date is finalized post-enrollment and generally kicks in a few weeks or months after you’ve enrolled with your insurance provider.