{"id":518,"date":"2022-12-30T12:36:18","date_gmt":"2022-12-30T17:36:18","guid":{"rendered":"https:\/\/www.saintpeters.edu\/caps\/?page_id=518"},"modified":"2025-01-07T14:59:41","modified_gmt":"2025-01-07T19:59:41","slug":"how-to-navigate-off-campus-treatment-providers","status":"publish","type":"page","link":"https:\/\/www.saintpeters.edu\/caps\/how-to-navigate-off-campus-treatment-providers\/","title":{"rendered":"How to Navigate Off-Campus Treatment Providers"},"content":{"rendered":"<p>With or without insurance, the Â鶹ÊÓƵ\u2019s University Counseling Center (CAPS) is usually the most cost-effective healthcare option for enrolled students. Counseling services are provided free of charge, and can help most students with their mental health needs. CAPS is not a full- service mental health clinic, and some student find that frequent, long-term, or specialized services are more appropriate given their presenting problems and\/or treatment goals. In these cases, CAPS staff will assist students in finding community referrals, but please note that<strong> CAPS does not endorse any specific community provider<\/strong>.<\/p>\n<p>For more information on the services provided at CAPS call (201) 761- 6420 during regular business hours Monday through Friday 9-5.<\/p>\n<p>Below are some important steps you can take to connect with a community provider.<\/p>\n<h3>Student Healthcare Options<\/h3>\n<ul>\n<li>Remain on your parents\u2019 insurance. The Affordable Care Act allows young adults to remain on their parents&#8217; insurance until age 26. This is true even if you no longer live at home or are no longer claimed on your parents\u2019 taxes.<\/li>\n<li>Employer Healthcare Plan. If you\u2019re employed, it\u2019s worth checking to see if you qualify for coverage under your employer\u2019s plan, and how much your costs will be.<\/li>\n<li>Medicaid provides health care coverage for people under a certain income level. Visit <a href=\"https:\/\/www.state.nj.us\/humanservices\/dmahs\/clients\/medicaid\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.state.nj.us\/humanservices\/dmahs\/clients\/medicaid\/<\/a> to see if you qualify, and<br \/>\nvisit <a href=\"https:\/\/www.medicaidinnovation.org\/_images\/states\/New_Jersey_Fact_Sheet_2020.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/www.medicaidinnovation.org\/_images\/states\/New_Jersey_Fact_Sheet_2020.pdf<\/a> to learn what is covered under Medicaid plans.<\/li>\n<li>If you are not eligible for Medicaid, explore New Jersey Family Care, and see if you qualify <a href=\"http:\/\/www.njfamilycare.org\/default.aspx\" target=\"_blank\" rel=\"noopener\">http:\/\/www.njfamilycare.org\/default.aspx<\/a><\/li>\n<li>Purchase a plan on the Healthcare Marketplace. To explore state options for purchasing your own plan visit <a href=\"https:\/\/www.nj.gov\/getcoverednj\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.nj.gov\/getcoverednj\/<\/a><br \/>\n<a href=\"https:\/\/www.state.nj.us\/dobi\/division_insurance\/ihcseh\/ihcmain.htm\" target=\"_blank\" rel=\"noopener\">https:\/\/www.state.nj.us\/dobi\/division_insurance\/ihcseh\/ihcmain.htm<\/a><\/li>\n<li><span>Hospital-based charity care <a href=\"https:\/\/www.newbridgehealth.org\/patients-visitors\/patient-financial-services\/patient-financial-assistance\/charity-care\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.newbridgehealth.org\/patients-visitors\/patient-financial-services\/patient-financial-assistance\/charity-care\/<\/a><\/span><\/li>\n<li><\/li>\n<\/ul>\n<h3>Navigating Health Insurance<\/h3>\n<ul>\n<li>Understand Insurances lingo before using your insurance <a href=\"https:\/\/blog.zencare.co\/mental-health-insurance-guide\/\" target=\"_blank\" rel=\"noopener\">https:\/\/blog.zencare.co\/mental-health-insurance-guide\/<\/a><\/li>\n<li>Call the member services phone number listed on the back of your card; have your insurance card out when you call.<\/li>\n<li>You can also access the insurance\u2019s website listed on your card to search for in-network providers.<\/li>\n<li>Ask for information on \u201cbehavioral health benefits.\u201d<\/li>\n<li>Ask the customer service representative for the following information<br \/>\n\u27a2 Do I have coverage for out-patient mental health care in the state you currently reside?<br \/>\n\u27a2 What is my deductible for out-patient mental health services?<br \/>\n\u27a2 Ask if you need to meet the deductible before any benefits start.<br \/>\n\u27a2 Do I have a copay, or coinsurance for out-patient mental health services?<br \/>\n\u27a2 Ask if you need a referral. Some plans (HMOs) require that a primary care physician give you a referral before you can see a therapist or psychiatrist.<\/li>\n<\/ul>\n<p>How to Find a Provider<\/p>\n<ul>\n<li>Ask your insurance representative to search for providers and email you the search results.<\/li>\n<li>Search for providers yourself through your insurance company\u2019s website<\/li>\n<li><a href=\"https:\/\/www.psychologytoday.com\/us\" target=\"_blank\" rel=\"noopener\">Psychology Today<\/a> has a large, national database of mental health providers with several options to help you narrow down your search. You can search by insurance or sliding scale fees.<\/li>\n<li><strong>211<\/strong> is the 3-digit number for information and referrals to local resources and social services.<\/li>\n<li><a href=\"https:\/\/findtreatment.samhsa.gov\/\" target=\"_blank\" rel=\"noopener\">Behavioral Health Treatment Services<\/a> has a provider search.<\/li>\n<li><a href=\"http:\/\/chrome-extension:\/\/efaidnbmnnnibpcajpcglclefindmkaj\/https:\/\/www.hcdnnj.org\/assets\/documents\/Hudson%20County%20Resource%20Guide.pdf\" target=\"_blank\" rel=\"noopener\">Hudson County Resource Guide<\/a> (page 3-6)<\/li>\n<li><a href=\"https:\/\/www.addictions.com\/\" target=\"_blank\" rel=\"noopener\">Addictions<\/a> resource clearinghouse<\/li>\n<li>Tele-Mental Health options\n<ul>\n<li><a href=\"https:\/\/www.betterhelp.com\/\" target=\"_blank\" rel=\"noopener\">Betterhelp.com<\/a><\/li>\n<li><a href=\"https:\/\/www.talkspace.com\/\" target=\"_blank\" rel=\"noopener\">Talkspace.com<\/a><\/li>\n<li><a href=\"https:\/\/healthsapiens.com\/medical\/?aff=natint&amp;amp;amp;pt=bh&amp;amp;amp;s1=EUMzUdiZu\" target=\"_blank\" rel=\"noopener\">Order.healthsapiens.com+<\/a><\/li>\n<li><a href=\"https:\/\/www.teencounseling.com\/\" target=\"_blank\" rel=\"noopener\">Teencounseling.com.us<\/a><\/li>\n<li><a href=\"https:\/\/www.pridecounseling.com\/\" target=\"_blank\" rel=\"noopener\">Pride Counseling<\/a><\/li>\n<li><a href=\"https:\/\/www.faithfulcounseling.com\/\" target=\"_blank\" rel=\"noopener\">Faithful Counseling<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Tips:<\/strong> When searching for a therapist, look for a licensed professional; such as LCSW, LPC, Ph.D., Psy.D. If you are looking for medication, you need a psychiatrist or a nurse practitioner<br \/>\n(NP) who specializes in psychiatry for mental health medications.<\/p>\n<div class=\"gmail_default\"><span>If you need additional support navigating this process or locating affordable providers, visit\u00a0<\/span><a href=\"https:\/\/www.moneygeek.com\/insurance\/health\/navigating-mental-health-care\/\" target=\"_blank\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.moneygeek.com\/insurance\/health\/navigating-mental-health-care\/&amp;source=gmail&amp;ust=1679493503491000&amp;usg=AOvVaw3eymcg0WohO2wE7-_XNv-g\" rel=\"noopener\"><span>How to Navigate Insurance and Mental Health Treatment | MoneyGeek.com<\/span><\/a>\u00a0or\u00a0<span>feel free to contact CAPS at\u00a0<\/span><a href=\"mailto:caps@saintpeters.edu\" target=\"_blank\" rel=\"noopener\">caps@saintpeters.edu<\/a><span>\u00a0or call (201) 761-6420 to schedule a\u00a0<\/span><span>consultation appointment.\u00a0<\/span><\/div>\n<p><strong>For mental health emergencies, you can contact campus safety at (201)761-7400, call 911, or visit our <a href=\"https:\/\/www.saintpeters.edu\/caps\/counseling-services\/additional-tele-therapy-resources\/\">UWill page<\/a> or call (833) 646-1526 for 24\/7 help.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With or without insurance, the Â鶹ÊÓƵ\u2019s University Counseling Center (CAPS) is usually the most cost-effective healthcare option for enrolled students. Counseling services are provided free of charge, and can help most students with their mental health needs. CAPS is not a full- service mental health clinic, and some student find that frequent, long-term, or [&hellip;]<\/p>\n","protected":false},"author":102,"featured_media":0,"parent":0,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-518","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.saintpeters.edu\/caps\/wp-json\/wp\/v2\/pages\/518","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.saintpeters.edu\/caps\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.saintpeters.edu\/caps\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.saintpeters.edu\/caps\/wp-json\/wp\/v2\/users\/102"}],"replies":[{"embeddable":true,"href":"https:\/\/www.saintpeters.edu\/caps\/wp-json\/wp\/v2\/comments?post=518"}],"version-history":[{"count":9,"href":"https:\/\/www.saintpeters.edu\/caps\/wp-json\/wp\/v2\/pages\/518\/revisions"}],"predecessor-version":[{"id":735,"href":"https:\/\/www.saintpeters.edu\/caps\/wp-json\/wp\/v2\/pages\/518\/revisions\/735"}],"wp:attachment":[{"href":"https:\/\/www.saintpeters.edu\/caps\/wp-json\/wp\/v2\/media?parent=518"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}