When you’re evaluating your options for behavioral health treatment, finding a behavioral health program that accepts Select Health insurance can make a significant difference in your out-of-pocket costs and ease of access. Thanks to the Affordable Care Act’s mental health parity protections, carriers like Select Health must cover behavioral health and substance abuse services comparably to other medical benefits [1]. In this guide, you’ll learn how Select Health handles coverage for residential rehab, addiction recovery, dual diagnosis treatment and mental health services. You’ll also see how other major insurers—Tricare West, United Healthcare, Aetna, Blue Cross Blue Shield and the U of U HMHI Behavioral Health Network—structure their behavioral health benefits. Finally, you’ll discover why The Phoenix Recovery Center is a trusted choice when you want expert care that works with your plan.
Understand key insurance terms
In-network vs out-of-network
When you choose an in-network provider, your insurer has negotiated rates that typically result in lower copayments and coinsurance. Out-of-network care can be more expensive or require you to meet a separate deductible, so it’s vital to verify your provider’s status before starting treatment.
Cost-sharing and deductibles
Most plans ask you to share costs through copays (a fixed fee per session) or coinsurance (a percentage of the allowed amount). You’ll also have an annual deductible—your out-of-pocket spending threshold before your insurer begins covering expenses. Understanding these figures helps you anticipate your financial responsibility.
Pre-authorization requirements
Higher levels of care—like residential rehab or partial hospitalization—often require pre-authorization. This means your provider must submit clinical documentation to your insurer for approval. Without it, you could face coverage denials or unexpectedly large bills.
Coverage limits and exceptions
While the ACA eliminated annual and lifetime dollar limits on mental health benefits, some plans still have day- or visit-based limits for specific levels of care. Always review your summary of benefits to confirm how many days of residential treatment or sessions of outpatient therapy your plan allows.
Review Select Health coverage
Select Health treats behavioral health services as essential benefits. Here’s what you can expect when you elect care with an in-network provider:
Covered services
- Residential rehab: intensive, 24/7 care in a supportive setting [2]
- Addiction treatment program: evidence-based therapy for substance use disorders [3]
- Dual diagnosis treatment: integrated care for co-occurring mental health and substance use disorders [4]
- Mental health services: individual therapy, group therapy and psychiatric care [5]
- Partial hospitalization and intensive outpatient programs for step-down care
Cost considerations
- Pre-authorization and referrals: required for residential and PHP levels of care
- Copayments and coinsurance: typically 10–30% for outpatient visits
- Deductibles: may apply before coverage kicks in for higher-acuity care
- Out-of-pocket maximum: the cap on your annual spending for covered services
Compare other insurer coverage
Tricare West programs
As a veteran, active-duty service member or family under Tricare West, you have access to comprehensive behavioral health benefits. The Phoenix Recovery Center is a proud addiction treatment center that accepts tricare west, offering residential care, dual diagnosis therapy, outpatient support and aftercare planning. Tricare West generally requires pre-authorization for any stay beyond 72 hours and covers medical detox, 24/7 nursing support and evidence-based therapies.
United Healthcare programs
United Healthcare’s behavioral health network includes outpatient therapy, inpatient rehabilitation and PHP/IOP options. You can find in-network care at our mental health facility that accepts united healthcare. Whether you need addiction counseling or dual diagnosis services, UHC plans often cover a broad array of levels of care, with copays ranging from $20 to $50 per session and prior authorization for residential stays.
Aetna programs
Aetna plans treat behavioral health on par with other medical benefits. If you’re covered, you can use your policy at Phoenix for residential treatment, PHP, IOP or outpatient therapy. We are an in-network mental health facility that accepts aetna. Aetna may require you to meet a deductible for higher-acuity services, but once met, coinsurance for residential rehab often falls between 20% and 30%.
Blue Cross Blue Shield programs
BCBS members benefit from access to a wide network of providers. At The Phoenix Recovery Center, we’re an approved addiction treatment center that accepts bcbs insurance. BCBS plans usually cover dual diagnosis programs, PHP and IOP with standard copays and coinsurance. Prior authorization is required for residential and partial hospitalization levels of care.
U of U HMHI network
If you carry a University of Utah HMHI Behavioral Health Network plan, you can access our specialized services without out-of-network penalties. We serve as a behavioral health facility that accepts u of u hmhi insurance. Coverage includes mental health counseling, addiction recovery programs and medication management, all under one roof.
Choose Phoenix Recovery Center
Accreditation and network affiliations
The Phoenix Recovery Center is accredited by The Joint Commission and the Commission on Accreditation of Rehabilitation Facilities (CARF). We maintain in-network status with Select Health, UHC, Aetna, BCBS, Tricare West and the U of U HMHI network so you receive high-quality care at negotiated rates.
Specialized treatment offerings
Our continuum of care spans:
- Medical detoxification
- Residential rehab with individualized therapy tracks
- Partial hospitalization for day-treatment support
- Intensive outpatient programs for flexible scheduling
- Dual diagnosis treatment for co-occurring disorders
- Telehealth and aftercare services to support long-term recovery
Insurance support services
Your dedicated insurance specialist will:
- Verify your benefits and eligibility
- Obtain pre-authorizations and referrals
- Review Explanation of Benefits (EOBs) with you
- Discuss copays, deductibles and payment plans
Veteran and military family focus
We understand military culture and the challenges faced by service members. Our clinicians offer PTSD-informed care, military family counseling and Tricare West navigation, ensuring you access the support necessary for lasting recovery.
Start enrollment process
- Contact admissions: call our 24/7 line to discuss your needs.
- Provide insurance details: plan name, ID number and group number.
- Verify benefits: we’ll confirm covered services, copays and out-of-pocket costs.
- Schedule assessment: set a date for your clinical evaluation.
- Confirm your plan: finalize treatment dates, accommodations and aftercare options.
Once your admission is approved, you’ll receive a personalized recovery roadmap and an orientation packet. Our team is here to guide you through every step, ensuring a smooth transition into the program.
If you’re ready to embark on your recovery journey with a behavioral health program that accepts Select Health insurance, contact The Phoenix Recovery Center today. We’re committed to helping you reclaim your life through comprehensive care, expert guidance and unwavering support.
