PCH Payment Options
Private Payment
PCH Treatment Center is a private pay facility and we do not accept insurance. PCH Treatment Center offers an affordable, cost-competitive fee structure for our clients. We feature an unparalleled level of psychological and psychiatric services at a price structure significantly lower than other treatment programs. We accept Visa, Mastercard, American Express, Cashier's Checks, Paypal, and wire transfers.
Courtesy Superbilling
PCH Treatment Center is a private pay facility and we do not accept insurance assignment of benefits or payment directly. We are not in network for any providers or on panels. Upon request we will prepare a superbill for our Clients after they are discharged, so that they may attempt to gain reimbursement (when benefits are available). In general, insurance plans, if they do reimburse for services, may cover all or part of the following: psychiatry sessions, group and individual therapy sessions and neurofeedback. Rarely, carriers will cover other services. However, in our experience, they do not reimburse for food, lodging, or other activities and services. It should be mentioned that many of our Clients have received significant reimbursement from their insurance carriers after submitting our superbill.
Insurance benefits for mental health care vary among insurance plans and employers. The Mental Health Parity Act of 1996 requires insurance plans that offer mental health benefits to set limits equal to medical or surgical benefits. In July of 2000, California passed a Mental Health Parity Law (State Assembly Bill 88) that requires health care service plans to provide coverage for specific diagnoses of mental illness, including bipolar disorder, major depression, obsessive-compulsive disorder, panic disorder and others. Benefits mandated include outpatient services, inpatient hospital services, partial hospitalization services, and in some cases prescription drugs. In October of 2008, the Mental Health Parity and Addiction Parity Act of 2008 was implemented, expanding mental health reimbursement requirements for group health plans with more than 50 employees or employer self-insured or self-funded plans. This law requires plans that have mental health coverage to cover any mental health disorder listed in the DSM (Diagnostic and Statistical Manual) and it prohibits insurers and health plans from imposing treatment limitations on mental health benefis that are more restrictive than those applied to medical services.
