Health Plan of Nevada (HPN) Insurance Coverage for Rehab and Detox

Health Plan of Nevada (HPN) is a type of health insurance plan for those who live in the state of Nevada. A subsidiary of Behavioral Healthcare Options and United Healthcare, HPN may be able to help you cover some or all of the costs of treatment for drug or alcohol addiction treatment. Understanding what benefits are provided by your HPN Plan, how to use those benefits to cover some or all of the cost of rehab, and how to find rehabs that accept HPN can help you start your journey to recovery.

Does Health Plan of Nevada Cover Rehab?

The Affordable Care Act (ACA) requires all health insurance plans to provide some type of coverage for the medically necessary treatment of behavioral and mental health disorders. This broad category generally includes coverage for the treatment of substance use disorders. As such, HPN may help to provide some degree of coverage for drug or alcohol rehab. This coverage may apply to a continuum of care, from early screenings and detoxification services through inpatient or residential rehab to aftercare. However, this doesn’t mean that HPN will cover every part of your treatment. It’s important to reach out to an HPN representative to determine your coverage before committing to treatment.

How to Check Your Health Plan of Nevada Benefits for Rehab

Checking your HPN benefits to determine your rehab coverage can be as easy as visiting a website. Your insurance card will likely have links and website urls that will direct you to a member portal, where you may be able to determine your HPN coverage. You can also reach out to an HPN representative directly by calling their member services. Additionally, rehabs may be able to check your HPN benefits for you.

Types of Addiction Treatment Covered by HPN

The types of treatment that may be covered by your HPN plan can vary greatly, as each person is different and may require different types of treatment tracks. Some common types of treatment that may be covered by your HPN plan include:

• Medical Detox.
• Inpatient and residential treatment.
• Outpatient treatment.
• Aftercare or sober living.

How to Use Your Health Plan of Nevada Insurance for Rehab

Once you’ve decided to receive addiction treatment, you’ll need to use your HPN insurance benefits to cover some or all of the cost. An important first step is to determine what the extent of your HPN coverage is and if you require preauthorization before beginning treatment. You can determine this by contacting a HPN representative. Additionally, you’ll also need to check if the rehab you’re going to is in-network. This can be done by contacting the rehab directly and asking if they are in-network with HPN. While you can still attend treatment at an out-of-network facility, your HPN coverage and benefits may be greatly reduced.

Do Treatment Centers Need to Be In-Network with HPN?

In most cases, to receive the maximum coverage from your HPN insurance plan, you’ll need to attend an in-network facility. In-network facilities will partner with HPN to provide their members with quality care. While you can still receive treatment at an out-of-network facility, you may see your HPN benefits severely reduced. It’s important to determine if a rehab is in-network with HPN before committing to treatment.

How Much Does HPN Insurance Cover?

The exact amount that HPN insurance will cover can vary greatly depending on a number of factors. Some of these factors may include:

• The type of HPN insurance plan.
• Where you receive treatment.
• If a rehab is in-network with HPN.
• Intensity of treatment.
• Length of treatment.
• Accommodations and amenities offered by a rehab.

It’s important to reach out to any prospective rehab centers before committing to treatment to determine if they are in-network with HPN.

Health Plan of Nevada Insurance Plans

There are various types of health insurance plans offered by HPN. One of the most common is the Health Maintenance Organization, or an HMO for short. Patients with an HMO must remain in-network, and receive referrals to access specialist care. There are three general types of HMOs offered by HPN:

• Gold. Gold plans are ideal for those who want to reduce out-of-pocket expenses. Higher premiums, but these plans cover 80% of all healthcare costs once the deductible is met.
• Silver. For those who want to balance the monthly premium and out-of-pocket health costs. With moderately priced premiums, these plans cover 70% of all healthcare costs once the deductible is met.
• Bronze. With the lowest monthly premiums and higher out-of-pocket costs, bronze plans cover 60% of all healthcare costs once the deductible is met.

The other main type of HPN plan is the Point-of-Service, or POS plan.  POS plans focus more on flexibility, giving their members a greater range of freedom when receiving care. However, POS plans also carry greater out-of-pocket costs. The three tiers of HPN POS plans include:

• Tier 1 (HMO). Visit your primary care provider and get referrals for specialists. This option has the lowest out-of-pocket costs.
• Tier 2 (PPO). You can see specialists or doctors in any network without a referral from your primary care provider. These plans require members to share more of the costs, including co-insurance, co-payments, and deductibles.
• Tier 3 (Out-of-network). You can visit any licensed healthcare provider, hospital or treatment facility. However, you must pay for all costs at the time of service and file claims for reimbursement through HPN. You must also meet a deductible and will have higher co-insurance costs.

Does Health Plan of Nevada Offer Medicare and Medicaid?

Health Plan of Nevada also provides Medicaid plans. While there are strict income requirements to qualify for a HPN Medicaid plan, those who do qualify have access to a range of services. While HPN does not provide Medicare plans, its parent companies do. If you qualify for Medicare, it may be worth reaching out to a parent company representative.

Finding Rehab Centers That Accept Health Plan of Nevada

Once you’ve decided to commit to treatment you’ll need to find a rehab that accepts HPN insurance. A good place to start would be to reach out to your HPN representative to verify your coverage. Understanding what your benefits are can help you determine what treatment facilities will work for you. They may also be able to refer you to rehabs in your area. Once you’ve verified your coverage, you may want to visit the SAMHSA treatment locator to find a rehab near you.

Additionally, you may consider reaching out to an addiction helpline. Addiction helplines, like the one owned and operated by American Addiction Centers (AAC), are 24/7 resources that can help answer questions you may have about rehab or insurance. If you want to check your HPN insurance benefits, reach out to us at or text us today.