PCH Payment Options

PCH Treatment Center is a private pay facility.  

PCH Treatment Center does 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. The cost of our residential treatment program is less than half (per month) than that of some of our competitors.  We accept Visa, Mastercard, American Express, Cashier’s Checks, Paypal, and wire transfers.

PCH Treatment Center offers Courtesy Superbilling.

PCH Treatment Center can refer a Client and their family to an outside billing company that can offer insurance preauthorization and sometimes can estimate whether the insurance company will offer reimbursement.  PCH Treatment Center does not contract directly with insurance companies nor do we accept assignment of benefits.

PCH Treatment Center is not in network for any providers or on any insurance 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.

When a client or family has health insurance with significant out of network benefits, it is possible they may receive reimbursement for some services provided at PCH Treatment Center. Our outside billing service can attempt to gain preauthorization in some cases. We will provide information necessary for the outside billing company to submit claims for treatment. It should be mentioned that some of our Clients have not been eligible for reimbursement, while others have received significant reimbursement.

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.

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