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.
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.
For more than 30 years, Beacon has changed the way people live with behavioral health conditions. Today, we’re the undisputed leader in behavioral health management, serving 40 million people across all 50 states.
Blue Cross Blue Shield (BCBS)
With over a hundred million members and therefore the highest rate of specialists, hospitals, and doctors contracted by a insurance company within the United States (over ninety percent), Blue Cross Blue Shield (BCBS) provides sum of money for members of all 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.
Harvard Pilgrim Health Care is a non-profit health services company based in Canton, Massachusetts serving the New England region of the United States.
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.
Tufts Health Plan was a Massachusetts-based non-profit health insurance company under Tufts Associated Health Plans, Inc. with headquarters in Watertown, Massachusetts.
UMR is a third-party administrator (TPA), hired by your employer, to help ensure that your claims are paid correctly so that your health care costs can be kept to a minimum and you can focus on well-being.
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.