Insurance Verification

Does Your Insurance Cover The Cost of Drug Rehab & Drug Abuse Disorders ?

For people who struggle with drug abuse disorders, a rehabilitation program is the safest way to get help and achieve long-term sobriety. While the value of rehab is undeniable, many people have concerns about the cost of these programs.

The way insurance works here is that you need to sign up for a healthcare plan and would have to pay monthly premiums. To buy insurance you may go to any federal businesses or from any insurance companies directly during an open enrollment period allotted. There are different insurance agents or providers that are available near you, according to your residence.

Mostly the plans that are provided by various insurance companies are deductibles, or amounts that a person can reach to, before insurance coverage kicks in. Insurance will then pay you a percentage of the services rendered. For example, if someone has a deductible of $1000 and insurance pays out 80% over that, after $1000 is paid out of pocket for medical expenses, the insurance company pays 80% of the amount and rest 20% is paid by you. This is known as “coinsurance”.

Policies will also have an annual out-of-pocket limit, or maximum, after which the insurer will pay 100% of all covered medical costs. At the time of services being provided you may also have to pay a “copay” which is separate from the deductible amount and are generally low in dollars.

Different states and insurance corporations can have totally different policies, coverage, and plans out there for the members.

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    Your Insurance May Cover 100% of Rehab Cost

    INSURANCE CORPORATIONS EXPLAINED

    There are many different insurance suppliers giving coverage at intervals with in the US, and every provider incorporates a sort of plans and choices to decide on from. Below are a number of the foremost common suppliers and general info about them:

    • Covering over twenty three million members in 2017, Aetna offers Associate in Nursing array of insurance plans and coverage varieties provided by a good vary of treatment suppliers and innovative services.

    • In partnership with Blue Cross Blue Shield, Anthem Insurance is that the second biggest health-plan-owned behavioral health company, providing its quite thirteen million members with access to an out sized network of behavioral health suppliers.

    • With over a hundred million members and therefore the highest rate of specialists, hospitals, and doctors contracted by a insurance company within the us (over ninety percent), BCBS provides sum of money for members all told fifty states.

    • A health services company with a world reach, Cigna has relationships with over one million service suppliers, clinics, facilities, and aid professionals round the world to supply its members with comprehensive medical aid and extremely rated sum of money.

    • Providing a good variety of insurance plans for families, people, and employers, Humana provides budget-friendly plans for individuals from all walks of life with innovative services and a commitment to overall health and upbeat for those it serves.

    • Through customized care and dedication to its members, Kaiser Permanente provides quality health care services and coverage joined of the most important not-for-profit health plans within the us.

    • A multi-state health care organization, Molina healthcare may be a Fortune, five hundred company providing health management solutions to its ample members with a robust target preventative medication.

    • A comprehensive and diversified health insurance company, UnitedHealth cluster prides itself for its innovation, adaptation to associate with changing market, and serving folks to live healthy lives.

    INSURANCE FOR BEHAVIORAL HEALTH SERVICES

    The Affordable Care Act (ACA) ensures that behavioural health services are covered under any health insurance plan sold on the federal Marketplace. Mental health and addiction issues are included as “essential health benefits” that are required to be covered by insurance the same way that other medical and surgical procedures are.

    Covered services can include:

    Detox services
    Crisis services
    Inpatient treatment
    Outpatient treatment
    Residential treatment
    Therapy and counseling
    Prescription medications
    Community-based programs
    Dual Diagnosis