In-Network Custom Design Benefits Insurance Treatment
Custom Design Benefits is an Employee Benefits and Self Funded insurance plan. They are the largest independent and full service third party administrator of self-funded health benefit plans.
A self-funded insurance plan, also known as self-insurance, is a risk management strategy. An organization assumes the financial risk for providing healthcare benefits to its employees. The company is responsible for their employee’s health insurance. This cuts out the need to pay premiums to an insurance carrier.
In a self-funded plan, the employer is responsible for funding the healthcare claims of its employees directly. The employer sets aside funds to cover the anticipated healthcare costs of its employees.
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Self-funded plans offer several potential advantages to employers. These include more flexibility in plan design, potential cost savings, and greater control over healthcare expenses. However, they also carry the risk of higher-than-expected claims costs. This can potentially lead to financial strain for the employer if not managed properly.
Self-funded insurance plans are common among large employers who have the resources to assume the risk of healthcare costs. They also require the administrative capacity to manage the plan effectively.
Do I have Custom Design Benefits Rehab Coverage?
The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) is a federal law. It ensures that insurances can’t limit mental health/substance use disorder benefits more than other services. This applies in comparison to medical/surgical benefits.
The Affordable Care Act (ACA) classifies substance use disorders as one of the ten elements of essential health benefits. This requires all health insurance policies to cover substance abuse treatment. The ACA expanded the accessibility for substance abuse treatment across the nation.
Self-funded employer health plans are not exempt from the ACA. Custom Design Benefits are required to cover substance abuse treatment. However, they are not in-network with every facility.
A facility being in-network vs. out-of-network determines the cost paid by the policyholder. In-network facilities have predetermined rates with the insurance provider. These rates pass
savings onto the policy-holder. While you may still have coverage with out-of-network providers, the cost may be higher.
Custom Design Benefits is in-network with Hotel California by the Sea. By contracting with Custom Design Benefits, we pass savings directly to the policyholder.
Addiction Treatment Custom Design Benefits Insurance Covers
At Hotel California by the Sea, we understand the complex nature of addiction. We recognize that addiction is a chronic condition that requires specialized care and ongoing support. That’s why we prioritize evidence-based therapies that are tailored to address the underlying factors contributing to addiction.
By integrating these proven-effective therapies into our treatment approach, we provide comprehensive care. Our goal is to empower individuals to overcome addiction and reclaim their lives. We offer this all while staying within the framework of your insurance coverage.
Custom Design Benefits often covers the following treatments:
- Custom Design Benefits often covers the following treatments:
- Residential treatment
- Detoxification
- Partial Hospitalization treatment (PHP)
- Outpatient programs
- Individual therapies: CBT, DBT, EMDR
- Group therapy
- Co-occurring Mental Health Treatment
What are my Out-Of Pocket Costs with Custom Design Benefits Insurance?
Insurance benefits can significantly differ based on whether a facility is in-network or out-of-network. Hotel California by the Sea is in-network with Custom Design Benefits.
In-network facilities have agreements with the insurance company to provide services at pre-negotiated rates. This leads to reduced out-of-pocket costs for insured individuals.
Deductibles represent the amount the insured must pay out of pocket before insurance coverage activates. Coinsurance refers to the percentage of costs the insured must cover after
meeting the deductible. An “out-of-pocket” cost is the amount the member needs to pay before insurance covers everything at 100%. These factors play a crucial role in determining your total out-of-pocket expenses.
Each insurance plan sets different dollar amounts for deductibles, coinsurance, and
out-of-pocket expenses. These numbers can quickly become overwhelming. We suggest contacting our admissions team for a full overview of your plan.
Our admissions team will forward your insurance information to our verifications department to confirm your coverage. Once confirmed, we can provide a detailed breakdown of your benefits. We ensure our patients understand their financial responsibilities before beginning treatment.
If you’re ready to begin your sobriety with your Custom Design Benefits insurance coverage, we can help. Here are some of the key factors to consider:
Verifying Your Insurance Benefits With Anthem
You also have the option to complete our 60-second Verification of Benefits form below. This tool allows you to quickly verify your coverage. For more detailed information or a breakdown of your plan, reach out to one of our admissions specialists.
Please enter the required information:
Our Comprehensive Treatment Maximizes Your Insurance Benefits
Comprehensive treatment is the method of treating all aspects of an individual’s addiction and recovery needs. At Hotel California by the Sea, we know that there is more to substance abuse than just a physical dependency. Numerous contributing factors influence addiction.
Our services are designed to treat not only the physical dependence, but the underlying psychological, emotional, and social factors. We utilize a range of specialized therapies methods to meet our patient’s needs. Treating every aspect of an addiction increases the likelihood of sustained recovery. Our facilities offer all the evidence-based therapies needed to do so.
Combining multiple treatment modalities into one facility passes savings on to the policy holder. We remove the need for appointments with other offices, confusing authorizations, and separate bills. Instead, we cover these therapies and medical appointments under one roof.
Our patients see a licensed psychiatrist and medical doctor regularly within our program. They also meet with a case manager and licensed therapists on a weekly basis. In our lower levels of care, patients have access to vocational and housing services. We set our clients up for long term success.
The Hotel California by the Sea Difference
At Hotel California by the Sea, we offer comprehensive inpatient and outpatient programs. These programs are designed to meet the diverse needs of our clients. Our supportive sober community provides a safe environment where individuals can connect with peers in recovery.
Our patients receive guidance from our dedicated team of clinical professionals. We focus on personalized care. Our experienced rehab team works with each patient to create a tailored treatment plan for success.
We are committed to exceeding expectations by addressing all aspects of addiction. Our program offers an array of services, both during and after treatment. We give our patients the care they need to successfully recover.
For the whole family unit, we offer marriage and family counseling. At Hotel California by the Sea, we utilize evidence-based treatment methods that have been proven effective. We incorporate these therapies within families as well, enabling them to heal and grow alongside their loved ones. We have the tools to support clients throughout their recovery journey.
We go above and beyond for our clients and for their loved ones. We focus on treating all aspects of a person’s addiction. We provide strategic coping tools, teach essential life skills, and offer options for aftercare services. These include assistance with employment opportunities, housing, and marriage/family counseling.
Hotel California by the Sea offers evidence-based treatment methods effective in helping clients throughout their rehab journey. These include:
- Eye Movement Desensitization and Reprocessing Therapy (EMDR)
- Cognitive behavioral therapy (CBT)
- Dialectical behavioral therapy (DBT)
- Group therapy
- Family and marriage counseling
- Access to local addiction recovery support groups
Once intensive treatment has been completed, Hotel California continues to support our clients through our aftercare services. Such social services include career resource planning, family support programming, and sober and transitional housing assistance.
If you have Custom Design Benefits insurance, Hotel California by the Sea is the ideal treatment destination for you. Contact our admissions specialists today to learn more. We provide effective treatments to help people overcome their addiction to drugs and alcohol. Try our Live Chat or fill out our contact form below.
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The road to recovery is full of uncertainty, leave your worries behind…
Our compassionate staff will answer all of your questions without any pressure. Learn about our evidence-based drug addiction treatment and rehab, the ease of entering our program, and the benefits of getting help from a reputable addiction treatment facility like Hotel California by the Sea.
Every member of our admissions team has been where you are today – be sure to ask them about their journey!