Health Alliance Plan Drug And Alcohol Rehab Coverage
When someone is considering an inpatient drug rehabilitation program, a common concern that arises is how to pay for it. Inpatient treatment is often more expensive than outpatient treatment, as it provides a residential setting and around-the-clock support. For many people, though, it may be the most effective type of treatment for addiction.
The cost of inpatient drug rehabilitation may deter people struggling with addiction from seeking the care they need. However, many insurance companies cover substance abuse treatment under mental health services. An insurance plan through Health Alliance may offer significant coverage for inpatient drug and alcohol rehab.
Rehabs That Accept Health Alliance Plan
Many Health Alliance plans cover inpatient rehabilitation for substance use disorders. This may include inpatient substance use detoxification, hospitalization, or residential care. Which services are covered and to what extent depends on the plan.
Because of the 2008 Mental Health Parity and Addiction Equity Act, all insurance plans that provide substance abuse services are required to cover them at the same rate as medical services. This act also ensures that companies with over 50 employees provide coverage for mental health, which is not always offered by individual plans.
Some Health Alliance insurance plans are available through the health insurance marketplace. The Affordable Care Act ensures that all plans offered in the marketplace cover mental health and substance abuse services, and cannot deny coverage to someone with a pre-existing condition.
How Much Will Inpatient Addiction Treatment Cost With Health Alliance?
Different insurance plans offer different amounts of coverage. Some plans may take care of up to 80 percent of the cost of substance use treatment, while others may provide less coverage at a lower monthly premium. The less an insurance plan costs per month, the more a person is responsible to pay for services when needed. Conversely, the higher the monthly cost, the lower the out-of-pocket payment.
The actual cost of inpatient addiction treatment varies depending on the treatment program and the drug rehab center. Luxury rehab facilities offer additional amenities and diverse treatment options, so they are generally more expensive than a standard facility.
Insurance plans that offer substance use coverage take care of a percentage of the treatment cost. This means that if one program is more expensive than another, the insurance company will pay more for the higher cost program, but the patient will also be required to pay more out-of-pocket.
How Long Will Health Alliance Plan Cover Inpatient Drug And Alcohol Treatment?
Some insurance plans cover inpatient drug rehab for a fixed period of time. This may be 30 days or more, depending on the plan. Many rehabilitation programs are 30 to 90 days, and some insurance companies may take this into account when determining service limits.
Regardless of the limitations, an insurance plan does not have to dictate the length of time someone spends in an inpatient drug rehab program. The healing process is different for everyone. If someone needs a longer stay, payment plans or other payment options may be available.
Does The Rehab Center Have To Be In-Network For Health Alliance Coverage?
Health Alliance offers coverage in Iowa, Indiana, Illinois, Ohio, and Washington. Individual health maintenance organization (HMO) plans encompass a network of doctors to keep costs at a minimum. Since it isn’t always possible to stay in-network, Health Alliance also provides flexible plans to offer out-of-network coverage.
One of these options is a preferred provider organization (PPO) plan. This allows a person to visit out-of-network doctors and treatment facilities with reduced coverage. There is no need to choose a primary care physician or get a referral in order to see a specialist.
Another option is a point of service (POS) plan. This incorporates aspects of the HMO and PPO plans. An individual can choose a primary care physician who will refer them to specialists in-network, or they can seek services out-of-network with less coverage.
Some Health Alliance plans come with a health savings account (HSA). Individuals can store money in these accounts to pay for future medical services. Employers may also contribute funds on a regular basis to an HSA for an employee. This can help to cover medical expenses that are beyond what is included in the insurance plan.
What To Expect During Inpatient Treatment
An inpatient program may take place in a clinical setting or a more residential environment. Treatment programs can be customized to the individual depending on factors such as the severity of addiction, type of drugs used, and co-existing mental disorders.
Many inpatient drug rehab programs begin with medically-supervised detoxification. This will likely be followed by a variety of treatment methods, such as medication, behavioral therapy, peer support groups, classes on addiction and life skills, and natural stress-relief techniques.
The goal of drug rehabilitation is that the individual overcomes addiction and continues to live without drugs after treatment. By replacing drug use with constructive activities and community support, inpatient addiction treatment programs strive to help people struggling with substance abuse to live more fulfilling lives.
Finding An Inpatient Drug And Alcohol Rehab That Accepts Health Alliance
Some people seeking addiction treatment want to meet with a medical professional before deciding on a treatment plan or rehab facility. Health Alliance may be able to help with this through “personal health coordination,” which connects individuals with someone who can guide them through their health plan and coordinate their care.
Health Alliance insurance can be used at many drug and alcohol rehab centers. Cost does not have to delay someone’s decision to enroll in an addiction treatment program. Health Alliance offers direct customer service, with real people answering phone calls and no wait times. Representatives can help an individual determine which services are covered by their insurance plan, and to what extent.
For more information on inpatient drug and alcohol rehabs that accept Health Alliance, contact us today.