Addiction treatment is overwhelming enough without having to also worry about paying for that treatment. That’s why having a health insurance plan that provides quality benefits for addiction and mental health treatment is essential for those who struggle with either. My Blue HMO plans do just that. This is especially true at addiction and mental health treatment centers that are within the My Blue HMO network like Florida Center for Recovery.
What is My Blue Insurance?
My Blue insurance is a new, low-cost health insurance plan from Florida Blue HMO. That means that individuals can receive quality Florida Blue health insurance plans that are within budget and covers the cost of rehab. On top of that, there are numerous other benefits that My Blue insurance members get to take advantage of.
Types of Health Insurance Plans
To fully understand the benefits of My Blue insurance plans, one needs to understand the different types of health insurance plans. There are three main types of health insurance plans, HMO, PPO, and POS.
Health Maintenance Organization (HMO)
Health maintenance organizations are otherwise known as HMOs. They provide health insurance plans that require members to receive healthcare at a facility that’s within the insurance company’s network. Luckily, Florida Center for Recovery (FCR) is one out of only three rehab places in Florida that take My Blue insurance.
Therefore, My Blue members can reap all the benefits of their insurance while receiving addiction treatment at FCR. This includes the benefit of affordable rehab since My Blue covers the cost.
Preferred Provider Organization (PPO)
Preferred Provider Organization health insurance plans are otherwise known as PPO plans. They provide some level of coverage for healthcare at in-network and out-of-network healthcare facilities. Still, individuals with this insurance plan will get the most coverage at facilities that are within their insurance companies’ networks.
Therefore, My Blue members aren’t missing out when receiving coverage through Florida Blue HMO for addiction treatment at FCR. In fact, My Blue insurance through Florida Blue HMO is the ideal health insurance plan.
Point-of-service health insurance plans provide some of the benefits of HMO plans. They also provide some of the benefits of PPO plans. For instance, POS plans are flexible like PPO health insurance plans. This is when it comes to providing coverage for healthcare at out-of-network facilities along with healthcare at in-network facilities.
POS plans are also like HMO plans. This is because POS plans require its members to receive a referral from a primary care physician before seeing a specialist. Unlike both HMO and PPO plan members, though, POS members tend to fill out more paperwork.
Health Insurance Terms That You Should Know Prior to Using My Blue
There are other health insurance terms that all My Blue insurance members should know about. Some important health insurance terms that all My Blue insurance members should know about are premium, deductible, copay, and coinsurance.
A premium is the amount of money that individuals must pay each month for health insurance.
A deductible is the amount of money that individuals must pay out-of-pocket before health insurance kicks in. When a person’s health insurance contains a high premium, that person’s insurance contains a low deductible. The reverse is also true in that health insurance plans that have high deductibles contain low premiums.
A person’s copay is the money that people immediately pay upfront to receive any sort of healthcare or prescription medications.
The percentage of money that individuals have left to pay after the deductible is met is the coinsurance.
My Blue From Florida Blue HMO
My Blue from Florida Blue HMO is a long-standing insurance company that you and your family can trust. That’s because Florida Blue HMO has over 70 years of experience serving Floridians.
On top of that, Florida Blue HMO contains tons of services that make life easier for its members. For example, Florida Blue HMO contains no hassle paying claims, easy enrollment/paying options, and multi-platform tools that its members can use. As a result, Florida Blue HMO has over 4 million satisfied customers.
New Low Cost My Blue HMO Plans
When using the new My Blue HMO health insurance plans, you’ll reduce the cost of your copays and deductibles. You’ll also receive more benefits. My Blue will give you what you need to adequately care for your health while fitting your budget.
Some specific benefits of the new My Blue HMO plans include lower copays for doctor visits, lab tests, specialists, and generic prescriptions. Members can also use their My Blue plans immediately with little to no deductibles and low coinsurance. That way My Blue members don’t get stuck paying for the cost of huge medical bills.
When individuals are members of the My Blue HMO plans, they’ll receive a primary care doctor that will manage all things medical. This includes medical tests, scheduling lab work, making referrals to specialists, and filling out any necessary paperwork for pre-approval.
Appointment Time Options
Not only are My Blue HMO plans cost-efficient, but they’re also flexible. This is especially true when it comes to time and date appointment options. In fact, My Blue HMO plans offer tons of time and date appointment options based on each member’s needs. As a result, primary care doctors will work with My Blue HMO plan members to get them the care that they need when they need it.
To ensure that the primary care doctors cater to the needs of its members, My Blue HMO goes out of its way to make sure that it selects a quality network of doctors. My Blue HMO will also make sure that its members have a wide range of quality doctors, specialists, hospitals, pharmacies, clinics, urgent-care walk-in centers, etc. that’s near them to choose from. That way, each My Blue HMO plan member can receive the healthcare that they both need and want.
A Blue Cross Blue Shield Affiliate
Florida Blue HMO is the name for Health Options Inc., which is an affiliate of Blue Cross Blue Shield of Florida inc. Therefore, Florida Blue HMO is an independent licensee of the trusted Blue Cross Blue Shield Association that’s been providing affordable healthcare to individuals since 1994. With over 4 million satisfied members, Florida Blue HMO and its different entities are the ideal form of health insurance to use for anything from regular doctor visits to addiction treatment.
In-Network vs. Out-of-Network Healthcare Providers
Now that you understand health insurance basics and the benefits of My Blue HMO plans, it’s time to use that knowledge and your My Blue HMO health insurance to pay for healthcare. This applies to either in-network or out-of-network healthcare providers. To save the most money, individuals should receive healthcare at an in-network healthcare provider rather than an out-of-network healthcare provider.
An in-network healthcare provider is a healthcare facility that has a contract with a particular insurance company. Within that contract, the healthcare provider agrees to accept higher rates of coverage for healthcare services for the insurance company’s members. In exchange, the insurance company must refer its members to that particular healthcare facility.
For example, because we’re an in-network addiction treatment center that’s within the My Blue HMO plan network, My Blue HMO members can attend rehab at FCR for little to no cost. My Blue HMO plan members are further incentivized to receive addiction treatment at FCR because My Blue HMO will refer its local members to attend rehab at FCR.
An out-of-network healthcare provider is a healthcare facility that is not within the network of a particular insurance company. As a result, healthcare facilities that are out of a particular insurance company’s network will likely not accept much coverage from the insurance company’s members.
Take Advantage of My Blue HMO Florida Center for Recovery
Florida Center for Recovery happens to be one of three rehab centers in Florida that are within the My Blue HMO network. Therefore, FCR is one of the few in-network rehab centers in Florida for My Blue HMO.
Luckily for My Blue HMO plan members, Florida Center for Recovery is also one of the country’s most renowned rehab centers. Thus, there is no better addiction treatment center in the state of Florida to make use of one’s health insurance benefits on.
Located in Fort Pierce, Florida, Florida Center for Recovery has worked hard to provide the most effective addiction treatment possible since 2002. As a result, the alcohol and drug rehab programs along with the co-occurring disorder treatment programs at FCR are the most comprehensive models in the country.
The addiction treatment programs here at Florida Center for Recovery are science-based while also incorporating holistic and alternative forms of addiction therapy. Therefore, the rehab programs here at Florida Center for Recovery treat the minds, bodies, and souls of its patients.
Some unique and specialized forms of addiction treatment and therapy that we offer here at Florida Center for Recovery include trauma therapy, rapid resolution therapy, intensive family programs, addiction treatment for pregnant women, SMART recovery, rehab for veterans, and more. Our alcohol and drug rehab programs are also specialized based on substance. For example, FCR provides its patients with specialized treatment that’s just for alcoholics or drugs such as cocaine and heroin.
To learn more about FCR and the different forms of health insurance that are within our network, contact us today! We would love to answer any questions that you may have.