Addiction Treatment in Nevada Covered by Select Health Insurance

Select Health is a nonprofit health insurance company that serves members across Utah, Idaho, Nevada, and Colorado. Backed by Intermountain Healthcare, one of the most respected health systems in the western United States.

Select Health covers substance use treatment. Desert Hope in Las Vegas is in-network, so your benefits apply there.

If you have Select Health and you or someone you care about is struggling with substance use, this guide is for you. It explains your plan options, what treatment is covered, how prior authorization works, and how to use your benefits at Desert Hope.

Key Takeaways

• Select Health is a nonprofit health plan for people in Utah, Idaho, Nevada, and Colorado. It’s supported by Intermountain Healthcare.
• Desert Hope in Las Vegas is in-network with Select Health. This means your insurance works there and your costs are lower.
• Select Health covers many types of addiction treatment. This includes detox, inpatient and outpatient care, partial hospitalization (PHP), intensive outpatient (IOP), medication-assisted treatment (MAT), and care for people with both substance use and mental health needs.
• Some plans need prior authorization or a referral before treatment starts. The team at Desert Hope helps with this so you do not have to figure it out alone.
• You can call Desert Hope any time, day or night. The admissions team will check your Select Health benefits for free, with no pressure to commit.

Does Select Health Cover Addiction Treatment?

Yes. Select Health covers substance use disorder treatment for eligible members. Under the Affordable Care Act (ACA), all marketplace and small group health plans are required to cover mental health and substance use disorder services as essential health benefits (EHBs). Select Health complies with this requirement across all of its plan types.

The Mental Health Parity and Addiction Equity Act (MHPAEA) adds a further protection: Select Health must cover addiction treatment at the same level as comparable medical care. You cannot be charged a higher deductible or coinsurance rate for detox than you would for a comparable medical hospitalization.

What you pay out of pocket depends on your plan, if you use in-network providers, and if you have met your deductible for the year. Because Desert Hope is in-network with Select Health, your coverage goes further there.

For more on your rights under federal parity law, see SAMHSA’s Mental Health Parity overview.

About Select Health and Intermountain Healthcare

Select Health is a not-for-profit health insurance company headquartered in Murray, Utah. Founded as part of the Intermountain Healthcare system, Select Health now serves more than one million members across Utah, Idaho, Nevada, and Colorado, and helps people afford treatment and recovery.

Being integrated with Intermountain Healthcare means Select Health members benefit from a health system that’s consistently recognized for quality and patient-centered care. Intermountain operates 23 hospitals and is one of the most respected healthcare organizations in the western United States.

Select Health is also a Federal Employee Health Benefits (FEHB) plan provider, meaning federal government employees can access Select Health coverage in its service area. Members can use the My Health tool on the Select Health website to understand their benefits, check coverage, and find in-network providers.

Select Health Insurance Plans

Select Health has different plan types and coverage levels. Knowing your plan helps you understand what to expect for costs and how to get care.

Traditional Plans

Traditional plans usually have lower deductibles but higher monthly payments. They cover preventive care, medical visits, and prescriptions with in-network providers. These plans give you the most choices in the Select Health network.

Benchmark Plans

Benchmark plans usually cost less each month than traditional plans. They cover all essential health benefits, including addiction treatment and mental health care. You may have to pay a share of the cost for some services. These plans must include substance use treatment.

HealthSave Plans

HealthSave plans have lower monthly payments but higher deductibles. You can use a Health Savings Account (HSA) to save money for medical costs, including addiction treatment. These plans give you more control over how you spend your healthcare dollars.

Catastrophic Plans

Catastrophic plans are for people under 30 or those with a hardship exemption. They cost the least each month but have the highest deductibles and out-of-pocket costs. These plans still cover essential health benefits, including addiction treatment.

What Types of Addiction Treatment Are Covered?

Select Health may cover the following levels of care for substance use disorder treatment at Desert Hope:

Sometimes, Select Health wants you to try outpatient treatment before approving inpatient care, unless it is an emergency. The clinical team at Desert Hope will document what you need to help you get the right level of care.

Prior Authorization and Referral Requirements

Some services need prior authorization from Select Health before you start treatment. If you skip this step, your claim could be denied, or you might have to pay more out of pocket.

• Medical detox: Often requires prior authorization.
• Inpatient / residential: Requires prior authorization and must be medically necessary.
• PHP and IOP: May require prior authorization depending on your specific plan.
• Standard outpatient therapy: Rarely requires prior authorization.
• Aftercare: Rarely requires prior authorization, though some plans may. Specific medications may require prior authorization before dispensing.
• Referrals: Some Select Health plans require a referral from a primary care provider (PCP) before specialty services are covered. Check your specific plan or call Select Health member services.

The admissions team at Desert Hope will call Select Health for you. They check your plan, find out what authorizations you need, and handle the paperwork before treatment starts. You do not have to do this alone.

Understanding Your Out-of-Pocket Costs

What you pay depends on what your health insurance plan covers. Here are some terms you might see and what they mean:

• Deductible: The amount you pay out of pocket each year before Select Health begins sharing costs. Once your deductible is met, your share drops significantly.
• Copay: A flat fee paid at the time of a service (for example, a set amount per therapy visit).
• Coinsurance: Your percentage share of costs after the deductible is met (for example, 20 percent, with Select Health covering the remaining 80 percent).
• Out-of-pocket maximum: The annual cap on what you pay. After reaching this, Select Health covers 100% of covered services for the rest of the plan year.
• Allowable amount: Select Health may limit coverage to a set amount for certain services. If a provider charges more than the allowable amount, the member pays the difference.
• In-network means your insurance covers more of the cost. Desert Hope is in-network with Select Health, so you pay less there. Out-of-network care can cost much more or might not be covered at all

If you want to know what treatment will cost, call Desert Hope at 702-820-4662. The admissions team will check your Select Health benefits and give you a clear idea of your out-of-pocket costs before you start anything.

Substance Use in Nevada: Why This Matters

Nevada has faced significant substance use challenges. The state was placed on a red alert in 2020 after opioid overdose deaths rose by more than 50% in just a few months. Substance use rates among Nevada adults and teens have historically exceeded national averages.

• An estimated 16% of Nevada adults used illicit drugs or misused prescription drugs in the past year.
• Nevada teens have higher rates of substance use than the national average.
• More than half of people with substance use disorder also have a co-occurring mental health condition, like depression, anxiety, or PTSD.
• Getting help early often leads to better results than waiting for things to get worse.

Having insurance that covers treatment can make a big difference in getting help. Desert Hope is part of the Las Vegas recovery community because people here deserve care that is both accessible and high quality.

How to Use Select Health at Desert Hope

Desert Hope keeps the insurance process simple. The admissions team takes care of checking your benefits and getting any needed authorizations, so you can focus on your next step.

• Call Desert Hope or complete the online benefits verification form. The admissions team contacts Select Health on your behalf.
• The team confirms your specific plan, in-network status, coverage level, and any authorization or referral requirements.
• If a PCP referral is needed, the team explains the steps early to avoid delays.
• Desert Hope facilitates prior authorization with Select Health before treatment begins.
• You receive a clear estimate of your out-of-pocket costs before you commit to anything.
• Once authorization is confirmed, Desert Hope schedules your intake. Same-day admissions are available in many cases.

You can reach the admissions team at Desert Hope any time, day or night. Many of them have been through addiction or recovery themselves, so they understand how hard it can be to make this call. They are here to help you find your way forward.