To attend rehab at an addiction treatment center, you must figure out how to pay for it. According to the Affordable Care Act, health insurance companies must provide as much coverage for mental health and substance abuse treatment as they do regular medical services. Thus, you should be able to receive coverage for your addiction treatment through your health insurance company. One health insurance company that provides some coverage for addiction treatment is AmeriHealth insurance. To learn more about AmeriHealth rehab coverage, continue reading.
About AmeriHealth Insurance
AmeriHealth is a U.S. health insurance company that provides health coverage for over 265,000 people. The states that AmeriHealth provides health insurance coverage for include Pennsylvania and New Jersey.
Through AmeriHealth, people can receive everything from locally-focused health insurance plans to national-scale health insurance programs. Some of the other services that AmeriHealth insurance offers include Medicaid and Medicare managed care, pharmaceutical benefit management, behavioral health services, administrative services, third-party administration (TPA) health services, and workers’ compensation insurance with high-quality claims service and cost containment. AmeriHealth also offers HMO, PPO, and POS healthcare plans.
Despite all of the different types of services that AmeriHealth insurance provides its customers, there are still some stipulations that you should be aware of if you’re planning on using AmeriHealth insurance to cover your stay in rehab.
AmeriHealth Rehab Coverage
Before providing you with AmeriHealth rehab coverage, AmeriHealth insurance will first see if you attending addiction treatment is medically necessary. This is the preauthorization process of AmeriHealth rehab coverage. If for some reason, AmeriHealth decides that your addiction treatment isn’t medically necessary, you can always ask the company to reconsider its decision.
If the insurer agrees to provide you with rehab coverage, there are some things you should know. For instance, depending on the healthcare plan that you have, AmeriHealth insurance can limit the number of days that you can receive coverage for detox in a year. It may also limit the number of days you can spend in inpatient treatment in one year. Your insurance coverage plan may even affect the number of outpatient treatment visits you can receive in a year.
Are There Instances Where AmeriHealth Rehab Coverage May Not Be Accessible?
Some forms of addiction therapy that may not receive AmeriHealth rehab coverage include holistic forms of therapy like equine therapy, music therapy, hypnotherapy, and more. Even when attending a normal form of addiction treatment, your plan may not cover the cost of both your detox and your rehab.
In fact, if your AmeriHealth insurance covers the cost of your detox, it won’t necessarily provide you with AmeriHealth rehab coverage unless that rehab is a part of your policy’s mental health services. As a result, there’s a chance that only some of your addiction treatment will receive AmeriHealth rehab coverage.
For example, AmeriHealth rehab coverage may pay for the cost of your therapy but not for your stay at a luxury addiction treatment center. This is due to the fact that staying in a luxury addiction treatment center isn’t medically necessary while receiving addiction therapy very much could be.
The length of time that you can receive AmeriHealth rehab coverage for an addiction treatment program will also depend on how much treatment you actually need to get better. Since the amount of time spent in addiction treatment increases the chance of you not relapsing after rehab, you should be able to receive AmeriHealth rehab coverage for at least a month.
It’s extremely important to speak with your insurance provider to learn the extent of your AmeriHealth rehab coverage options. You can also contact us here at Florida Center for Recovery Center to gain more information.
Types of AmeriHealth Insurance Plans
The amount of AmeriHealth rehab coverage that you receive can vary depending on your insurance plan. Your place of residence also impacts the amount of coverage you’ll receive for rehab. Right now, there are five different types of AmeriHealth insurance plans.
The five types of AmeriHealth insurance plans include:
- Family plans
- Individual plans
- Medicare plans
- Plans for businesses with more than 50 employees
- Plans for businesses with less than 50 employees
Types of Addiction Treatment that AmeriHealth Insurance Covers
AmeriHealth rehab coverage is available for most major addictions. Those suffering from addictions to the following substances may be able to receive coverage for rehab through AmeriHealth:
How Much Do You Have To Pay Out-of-Pocket When Receiving AmeriHealth Rehab Coverage?
Even when you receive in-network rehab insurance coverage, there is a chance that you’ll pay for some things out-of-pocket. For example, if you have a set deductible, then you’ll need to pay some money out-of-pocket before your AmeriHealth rehab coverage begins.
Out-of-Pocket Expenses for In-Network AmeriHealth Rehab Coverage
The set amount of money that your AmeriHealth rehab coverage will pay for while receiving in-network care after you meet your deductible will vary depending on the type of AmeriHealth insurance plan that you contain. You may need to cover any leftover costs.
You must also pay your co-pay and coinsurance. Co-pays are fixed amounts that you’re responsible for paying for your services. You may need to pay for your co-pay before you meet your deductible or after you meet your deductible. Coinsurance is a fixed percentage of your treatment costs that you’re also responsible for paying. All insurance customers regardless of the provider must pay co-pays and coinsurance.
Regardless of what you must pay for your AmeriHealth insurance’s co-pay, coinsurance, or general out-of-pocket costs, you’ll have an out-of-pocket maximum. This means that after you pay a certain amount of money for your deductible, co-pay, coinsurance, and other outstanding costs, your insurance will cover the rest. That way you can rest assured that you won’t ever need to pay more than a certain amount.
Out-of-Pocket Expenses for Out-of-Network AmeriHealth Rehab Coverage
If your healthcare provider is out-of-network, receiving care will cost you more than if your healthcare provider was in-network. This is because insurance companies have a network of providers that agree to give out healthcare services for the members of those insurance companies at a certain discounted cost.
Still, if you would rather receive care from an out-of-network AmeriHealth provider, discuss your cost and payment options with that provider. If you do so, your out-of-network provider may give you a more affordable payment plan. AmeriHealth may even be able to negotiate an in-network rate with your out-of-network provider.
How to Pay for Rehab When You Don’t Have Insurance
Not having insurance isn’t reason enough to not attend addiction treatment if you need to. You can’t put a price on your health and well-being. Thus, if you don’t have insurance, you’ll need to come up with a plan to pay for your rehab yourself. Below are some ways that you can get the money to pay for your rehab on your own.
Get a Grant
To help people pay for rehab, the Substance Abuse and Mental Health Services Administration (SAMHSA) offers grants for addiction treatment. All you have to do to receive one of these grants is qualify. To learn about the qualifications to receive a SAMHSA addiction treatment grant, contact the organization.
You can also receive a scholarship to help you pay for rehab. Some programs and organizations that offer scholarships for rehab include the 10,000 Beds Scholarship Program and the Sobriety Optimization League.
The 10,000 Beds Scholarship Program offers scholarships that pay for rehab at participating treatment centers. The Sobriety Optimization League helps get addiction treatment care to people with substance use disorders.
Health Savings Account (HSA) Funds
You can use Health Savings Account (HSA) funds to pay for pretty much any addiction treatment program. Using HSA funds to pay for rehab saves you money. It does this by decreasing the amount of out-of-pocket money that you will need to pay for your addiction treatment.
Employee Assistance Programs
Your employer may provide employee assistance program (EAP) benefits that will help you with your addiction treatment. Employee assistance programs are confidential programs. Thus, employers offer EAP to employees to help them work out any personal issues in their lives that may affect their professional lives.
One benefit of using employee assistance programs is that it doesn’t cost you anything. Your family members who are under your insurance can also use your EAP benefits for free. To know if your employer offers EAP benefits, look at your company’s benefits manual or ask your human resources manager.
Some healthcare providers will offer you payment assistance on a sliding scale. A sliding scale is an affordable range of treatment fee costs. Some healthcare providers will accept sliding scale costs from patients with limited resources. For example, if the cost of an addiction treatment session costs $200.00, a sliding scale cost of that treatment session will be $115.00 – $165.00.
Medicare or Medicaid
For those that qualify for Medicare or Medicaid, you can receive federal and state health benefits. These benefits will help you pay for rehab. To qualify for Medicaid, you need to either be 65+ or under 19. If you don’t fit in those age categories, you must be pregnant or have an income that’s within a certain range to qualify.
To qualify for Medicare, you must be 65+ or have a disability. If you do qualify for Medicare, Medicare will pay for up to 100 days of inpatient rehab within a benefit period.
Affordable Care Act
As we briefly mentioned at the beginning of this article, the Affordable Care Act (ACA) requires that health insurance companies provide just as much coverage for substance abuse and mental health treatment as they do physical ailments. Since the ACA values mental health and substance use treatment so much, you may be able to use it to receive subsidized rehab coverage with reduced premiums.
Use Healthcare or Personal Loans
If necessary, you can get a loan to help you pay for rehab. Using a third-party healthcare loan is ideal for people that don’t have good enough credit to receive a personal loan. If your credit is good enough to receive a personal or private loan to pay for your rehab, you can do that as well.
If you need to, you can even fundraise the money to pay for rehab. You can even raise money online through sites like GoFundMe or social media.
If you can’t receive a grant or scholarship or make use of any special funds or payment assistant programs, you can always borrow money from your family members and close friends. It may be difficult to convince your family and close friends to lend you money for rehab at first. But, it’s likely that your loved ones will be willing to help you through this process.
If all else fails, you can pay for your addiction treatment out-of-pocket. Other ways you can do this is by using money that’s in your personal savings account to pay for treatment, or by even using your credit card to pay for treatment. Regardless, of how, where there is a will, there is always a way to pay for addiction treatment.
Florida Center for Recovery Makes the Process of Receiving Addiction Treatment Easier for You
At Florida Center for Recovery (FCR), we understand that addiction treatment isn’t cheap. That’s why we accept AmeriHealth rehab coverage and other types of health insurance coverage.
Here at FCR, you can use your health insurance to pay for specialized addiction treatment. Our addiction treatments are specialized to treat addiction to everything from alcohol to cocaine, to heroin, meth, prescription drugs, and more.
We also provide a wide variety of addiction treatment programs. These addiction treatment programs include intensive outpatient program treatment, partial hospitalization treatment, outpatient treatment, and addiction therapy.
To learn more about the addiction treatment services that we offer here at Florida Center for Recovery and the different health insurance programs that you can use to pay for them, contact us today.