Clinical depression is one of the most common mental illnesses, affecting more than 19 million Americans each year. This includes major depressive disorder, manic depression and dysthymia, a milder, longer-lasting form of depression.
Behavioral health resources and assistance are available through Human Affairs International of California (HAI-CA), a subsidiary of Magellan Health Services. If you are a UC employee, you have access to a variety of behavioral/mental health resources and assistance through Optum.
USING YOUR BEHAVIORAL HEALTH BENEFITS:
- No referral from your Primary Care Physician (PCP) is required.
- A WHA member can call Magellan or Optum directly.
Magellan Health Services Optum (UC employees)
To find a mental health provider, search Magellan Health Services’ provider directory at Magellan Healthcare. Use the new or unregistered user option and enter WHA’s toll-free number: 800.424.1778. You do not have to register to begin your search.
THINGS TO REMEMBER WHEN MAKING AN APPOINTMENT:
Ask about copayments. A copay is a charge that you are required to pay out-of-pocket for a specific service. For instance, you may have a $20 copay for each office visit.
Ask about your deductible. A deductible is the amount that you must pay out-of-pocket before WHA makes any payments. Depending on your deductible, for instance, you may have to pay $500 or even $5,000 out-of-pocket before WHA will begin making payments on claims. As a result of the parity* law, your deductible should apply to both mental and physical health coverage.
Talk to your provider. When you call to schedule an appointment with a provider, ask if he or she accepts your WHA insurance.
Coordinating medical and mental health services. Given the complex relationship between the physical health and mental health, communication and coordination between your medical and mental health providers is crucial to safe and quality care. Ask your mental health provider about the importance of coordinating your mental health care with your medical treatment plan.
*The Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA) requires group health plans and health insurance issuers to ensure that financial requirements (such as copays, deductibles) and treatment limitations (such as visit limits) applicable to mental health or substance use disorder (MH/SUD) benefits are no more restrictive than the predominant requirements or limitations applied to substantially all medical/surgical benefits.
This information is a summary of the highlights of behavior health coverage included in WHA plans. For complete benefit information, refer to the Combined Evidence of Coverage and Disclosure Form (EOC/DF).
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