Finding the best psychiatrist or therapist—a general term for all mental health providers—for your personal needs can be challenging. Premera is here to help.
Your search for the best mental health professional isn’t always easy. If you have a primary care provider (PCP), they can evaluate and treat you for any physical causes of your ailments. Discussing these concerns with your PCP can help them guide you toward the right mental health provider.
Many of our members find a therapist through a referral—a friend, teacher, doctor, or by internet research. Depending on the provider, you may find they specialize in working with specific populations, such as elderly, adolescents, children, or married couples.
Remember, it's not uncommon to meet with a couple of therapists before you find a good fit for you. Feeling comfortable with your therapist is important for the success of the treatment.
Chemical dependency or substance abuse, eating disorders, and complex mental health illnesses often require focused treatment. Your primary care physician or any mental health provider can help direct you to appropriate care.
Your plan might cover:
People who have been diagnosed with eating disorders have benefits available to help understand nutrition and the effects of their eating disorder. Nutritional therapy is covered on many plans with no member out-of-pocket expense when services are provided in network. Techniques to identify root cause and avoid binge eating are provided.
When a friend or family member has a major addiction issue, it's not uncommon for loved ones to stage an intervention to convince the individual to get help.
Before doing this, it's important to have a plan in mind, which includes lining up a treatment center or program. Due to privacy laws, we can't give you information about your loved one's health without his or her permission. However, if you know your loved one's medical benefit plan name, we can answer questions about in-network treatment providers.
In many states, including Washington state, minors 13 to 18 may receive care for mental health or substance abuse without consent from parents or guardians.
Premera is mandated to respect these rights to privacy as defined by law.
Explanations of benefits for members 13 or older will be mailed to the member who received the care. This means parents or spouses might not be able to see claims through the online member account or speak to customer services representatives about these claims unless the member grants permission to family members.
There are several types of providers and licenses can vary by state. Here's a general idea of who does what.
Some members prefer to work with a therapist who isn't in network or doesn't take insurance. If your plan includes out-of-network provider coverage, you can submit a request for reimbursement of services.
Check your benefit booklet to confirm your plan's coverage.
To check if your therapist is in-network, use Find a Doctor to search by provider name or by specialty.