Zenith American Solutions is a provider of third-party employee benefit programs specialized in administrative and management services. If your employer provides insurance coverage through the California insurance provider, Pacific Federal, Zenith American Solutions insurance coverage and benefits may help you pay for addiction treatment services.
Zenith American Solutions Insurance
With over 75 years of experience and serving nearly two million U.S. workers, Zenith American Solutions provides personalized coverage services for America’s Workforce.
Pacific Federal (PacFed), a Zenith American Solutions, serves as a group health insurance provider offering Multiple Employer Plans (MEPs), Taft-Hartley Plans, and single-employer plans.
Pacific Federal Multiple Employer Plans
Multiple Employer Plans (MEPs) through PacFed offer employers within a single industry access to group health insurance for employees.
MEPs offer coverage to employees working in industries including:
- Agriculture
- Entertainment
- Non-profits
- Public entities
If your employer has 50 or more full-time employees, your PacFed insurance may be through an MEP.
PacFed Taft-Hartley Plans
PacFed’s Taft-Hartley Plan is a multi-employer plan that provides group health insurance between an employer and a union. These plans are for employees covered under a Labor Collective Bargaining Agreement (CBA).
Taft-Hartley Plans offer coverage to employees working in industries including:
- Government contractors
- Bus & Transportation
- Logistics & Freight
- Manufacturing
- Sanitation
Your eligibility in a Taft-Hartley Plan is determined according to the agreements outlined within each CBA. You can obtain coverage through your employer’s Taft-Hartley Plan while working both in and outside of California.
Single-Employer Plans Through Pacific Federal
Single employer plans are PacFed’s group health insurance offering for employers of larger companies. Within these plans, an employer may establish a Single Employer Trust which acts as your insurance policyholder. In doing so, the Trust handles the particulars of the company’s group insurance plans and provides coverage to you and other employees.
Zenith American Solutions Employee Benefits
Every plan under Zenith American Solutions is unique. As a result, the particulars of your personalized employee benefits plan may look very different from any other one of their plans. Each of Zenith American Solutions’ benefits plans focuses on meeting the individual client’s needs.
As a national organization, Zenith American Solutions provides the advantages of a large insurance provider organization while maintaining a transparent fee structure and flexible plan management services.
Zenith American Solutions provides assistance with benefit plan management including:
- Health claim processing
- Pension and retirement administration
- Managed care
- COBRA administration
- Eligibility accounting
- Flexible spending accounts
Their team of benefits information system professionals will help you to better understand your employee benefits plan.
Zenith American Solutions FAQ
With so many policies available, it’s hard to say with any level of accuracy whether or not you’ll be completely covered. However, as long as you have some form of mental health coverage, you’ll be at least partially covered. Depending on your individual Zenith American Solutions policy you may be covered for a complete continuum of care including:
- Medical Detox
- Residential Inpatient Care
- Partial Hospitalization
- Intensive Outpatient Care
- Standard Outpatient Care
The easiest, quickest way to find out what benefits your plan entitles you to, is so call us directly at Royal Life Centers. Through a no-obligation verification of benefits, we’ll rapidly be able to tell you what services you’re covered for. Once you know your treatment options, you’ll be able to make an informed decision and get the help you need right away.
Call us anytime, 24/7. We’re looking forward to hearing from you (888)-719-4445 or (877)-RECOVERY.
Mental health disorders go hand in hand with substance abuse. When they are co-occurring with substance use disorder, insurance companies should certainly cover treatment.
Verifying Insurance Coverage and Benefits
If you have health insurance coverage for rehab through Zenith American Solutions and/or Pacific Federal, you may be wondering what your next steps are to enter treatment. Before scheduling an admission date, you’ll first have to find out which addiction treatment services are included as benefits in your insurance plan.
Calling your insurance company directly is one option, but they can be difficult to work with and may make you jump through hoops before they’ll agree to pay for treatment. Instead, the simplest option is to call us at Royal Life Centers. After providing your insurance information, we’ll do all the groundwork for you. Our trained and experienced admissions department will cut down your wait time and red tape. In doing so, we can quickly verify your benefits and go over your treatment options.
Whether it’s for yourself or someone you love, substance abuse treatment is an important first step on the road to recovery. Our team at Royal Life Centers wants to be a part of that journey. Pick up the phone and call our admissions team to verify your insurance. Our secure line can be reached 24/7 at (877)-RECOVERY. Alternatively, if the thought of calling makes you hesitate, you can click here to fill out our insurance verification form. Once our team in admissions has verified your coverage, they’ll call you to guide you through your plan’s benefits and treatment options. Whether you call in or provide your information online, your information is kept completely confidential and there is no obligation to enter treatment.
