Drug And Alcohol Rehabs That Accept AmeriHealth Health Insurance
If you have AmeriHealth health insurance, your plan may include benefits for behavioral health coverage, including mental health and substance abuse treatment. Understanding the extent of your coverage, and how you can best use it, will help you to create the most solid foundation for your substance abuse treatment.
AmeriHealth Provides Coverage To Those In Need
AmeriHealth health insurance coverage provides affordable insurance to individuals and employers in Pennsylvania and New Jersey.
In addition to this, AmeriHealth Caritas offers care which includes “Medicaid and Medicare managed care, pharmaceutical benefit management, behavioral health services and other administrative services.” These services are provided to over 5.7 million individuals in 17 states and the District of Columbia who receive benefits from government-funded programs.
AmeriHealth Caritas simply put mission sums up their commitment to offering compassionate care which betters the health and well-being of these clients. “To help people get care, stay well and build healthy communities. We have special concern for those who are poor.” They continue, asserting that “For three decades we have been a leading provider of health care for underserved and chronically ill populations.”
The Benefits Of Selecting A Rehab Program That Accepts AmeriHealth
When considering alcohol and drug rehabilitation, some individuals may be quick to believe that their treatment is more limited when defined by what is and is not covered by their insurance plan.
While your insurance plan may place certain restrictions on your treatment choices and coverage, generally speaking, for most individuals, utilizing your insurance coverage grants you greater accessibility to treatment, verses paying only out of pocket.
This is because treatment, especially inpatient rehabilitation, can become quite pricey. By choosing from only what you can afford to pay out of pocket, many individuals would be severely limiting their options for comprehensive care.
If you combine this same out-of-pocket budget with your insurance coverage, the total amount you’re able to cover may significantly increase. As this sum rises, there’s a better chance that you’ll be able to select a private, specialized treatment facility; choose an inpatient program over an outpatient one; and seek treatment for longer. This combination of features often increases access to the life-changing treatment methods which build, enhance, and protect sobriety.
You shouldn’t settle when choosing a treatment program. Selecting a private program often grants treatment participants more one-on-one time with highly-trained addiction specialists and a greater variety of therapies, an intensive treatment approach which, for many, increases treatment retention and success rates.
As you’re examining your coverage, take note of your in network and out-of-network benefits. Treatment at in network facilities is generally covered more fully, with a smaller copay or coinsurance, which means less out-of-pocket expenses for you. On the other hand, should you desire treatment at an out-of-network facility, you may still have coverage, but with a significantly higher copay or coinsurance.
Understanding Your AmeriHealth Plan Benefits
Whether it be in network or out-of-network coverage, benefits are defined by specifications which influence how much you pay out of pocket. Typically, within your statement of benefits you’ll find that your benefits cover a certain percentage of treatment, a set number of days, or a certain amount per day of treatment. For example, some plans may cover 80 percent percent of your treatment costs, leaving you to personally fund the remaining 20 percent.
Certain other specifications may influence this coverage as well. For instance, in many cases a person must meet their deductible before their coverage kicks in. When paying out of pocket, take note of your out-of-pocket maximum, so that you’re aware of the top dollar amount you’ll pay when utilizing your insurance benefits.
Many insurance companies require an individual to portray that their rehabilitation is considered medically necessary before they cover treatment, especially when the desired care is inpatient rehabilitation. Collecting and furnishing medical records, including doctors notes and clinical assessments, which document the drug or alcohol addiction is often sufficient for this purpose.
Determining What Addiction Treatment Program Is Best For Your Unique Needs
Understanding what your AmeriHealth plan covers and for how long will help you to better create an individualized treatment plan. Many plans break coverage down into detoxification, outpatient services, and inpatient rehabilitation. While each of these services play a vital role within the treatment of addiction, not every person requires each form of treatment.
Detoxification services aren’t necessary for everyone seeking treatment for a drug or alcohol addiction. Your clinical assessment will examine your needs to determine if you should enroll in a medically-supervised detox prior to beginning treatment. Individuals contending with alcohol, benzodiazepine, or opioid addictions are those who usually seek this treatment, however, even then, not every individual will need a detox program.
Outpatient programs can be great options for those stepping down from an inpatient rehabilitation program or for those who feel they need to reacquaint themselves with vital recovery principles. However, individuals facing moderate to severe addictions are often better equipped to create stable recoveries within inpatient drug and alcohol rehabilitation programs.
Inpatient drug rehab centers give residents more options and time to develop critical coping and relapse prevention skills. The residential environment promotes healing and protects residents from the harmful influences of their lives which could tear down the progress they’ve made within their recovery.
If you’re seeking treatment for the first time, this can all seem very overwhelming. As you consider your treatment goals and lifestyle, or that of a loved one, it may be useful to ask yourself the following questions, so that you can make sure you receive the best form of care for your unique needs:
- What is the drug of abuse? Or drugs?
- How long has the individual been addicted to the substance for?
- Will a medically-supervised detox be necessary?
- Are there any health or medical conditions which could change the scope of care?
- Is a dual diagnosis program required for the treatment of a co-occurring mental health disorder like anxiety or depression?
- Is the individual able to leave their job or family? If so, for how long?
- Does the individual have a good support system of friends and family members who will remain active within their life, both during and after treatment?
Once you’ve outlined your needs and compared them against your coverage, it’s time to begin making a plan. If you’re not sure which type of treatment best meets your needs, our expert treatment specialists can help you to create an individualized treatment plan.
Making Treatment A Priority – Find A Rehab Center That Accepts AmeriHealth Today
Don’t get discouraged if your insurance coverage doesn’t pay for the entirety of your treatment. This shouldn’t deter you from getting treatment for yourself or a loved one. Though the upfront costs associated with treatment can run high, the price of an untreated drug or alcohol addiction can run higher.
The cost of time, health, and life lost to drugs or alcohol can far outweigh any amount you’ll ever spend on treatment. For this reason, treatment is an investment which could change your life.
Once you’ve determined what portion of your treatment insurance will pay, take a step back and consider your other options. Sometimes close friends or family members will help contribute to treatment costs because they too believe it to be an investment. After this, financing options, sliding fees, and scholarships and grants may help you to round out the cost.
To learn more about how your AmeriHealth insurance benefits could help you get the help you deserve, contact us today.