Insurance Information
Insurance Companies We Work With
Frequently Asked Questions
Is THIRA Health Covered By My Insurance Plan?
What will I owe?
The amount you will owe depends on your plan benefits, such as copay, coinsurance, individual and family deductible amounts, as well as the type and length of services received. Contact your insurance customer service representative directly, to better understand your insurance policy and mental health benefits.
When contacting your insurance company, consider the following questions:
- Do you have a PPO, EPO, or HMO?
- Does my insurance require a prior authorization for mental health intensive outpatient and/or partial hospitalization services?
- If yes, what happens if visits are not authorized?
- Are there exclusions (care not covered by your policy)?
- Are there travel restrictions limiting you to certain facilities for care?
- If your insurance plan is determined to be out-of-network, do I still have coverage?
- If so, does my deductible and out-of-pocket maximum change?
Find A Program and Connect With THIRA
How does it work when I am covered under more than one insurance plan?
Insurance regulations determine which coverage you need to use first. This is called primary insurance. If your primary insurance does not cover care because the provider is not in-network, then the second insurance will not cover the care either. This is because you are expected to get care from a provider who is in-network with your primary coverage.
If you have two or more health plans, you will be asked to declare which one you want to name as your primary plan with a Coordination of Benefits (COB). This allows health insurers to work with one another to help minimize your out-of-pocket costs. Please contact both insurance plans to establish a COB before admitting.
THIRA Health does not currently accept Medicaid.
Available Partners
Cigna Behavioral Health | Learn more on the Cigna website or contact a customer service representative, at 1-800-433-5768. | |
|---|---|---|
Regence | Learn more on the Regence site or contact member services at 1-888-344-6347. | |
Premera | Learn more on the Premera site or contact member services at 1-800-722-1471. | |
First Choice Health | Learn more on the First Choice Health site or contact member services at 1-800-467-5281. | |
Optum/United Behavioral Health | Learn more on the Optum site or contact member services at 1-800-888-2998. | |
Kaiser Permanente (HMO/PPO) | Learn more on the Kaiser Permanente site or contact member services at 1-800-767-4670. | |
Lifewise | Learn more on the Lifewise site of contact member services at 1-800-592-6804. | |
Insurance coverage
To determine if you have mental health coverage through your insurance carrier, the first thing you should do is get in touch with them. Check your coverage carefully and make sure you understand their answers.
Here are a few helpful questions that you may be able to ask to better assess what type of coverage your plan has available.
- Does my insurance cover mental health services? Are there any limitations?
- Does my insurance require a prior authorization for mental health intensive outpatient and/or partial hospitalization services?
- What is my deductible and out-of-pocket maximum for mental health services?
- If my insurance plan is determined to be out-of-network, do I still have coverage? If so, does my deductible and out-of-pocket maximum change?
