You've made a great decision for your health by deciding to get help for your drug or alcohol addiction. You may have been carrying around the weight of your addiction for years. You may not have even known that there was a way for you to afford to get help to recover. Fortunately, addiction recovery is more affordable now than ever before.
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When you're in need of rehabilitation in Idaho, and you have PacificSource insurance, you probably have a lot of questions about what your benefits are. The good news is that you don't have to save up a lot of money in order to pay for your drug or alcohol treatment. Pacific Source insurance offers benefits that will help to pay for it. Some policies from PacificSource even cover drug and alcohol rehab in full. It's definitely important for you to know as much as you can about your health insurance coverage for rehab.
This is often surprising for those who thought they would never be able to afford addiction treatment. Obtaining the right healthcare coverage is so important, and with PacificSource, you're in good hands. Still, it's important for you to get answers for all of your questions regarding your health insurance policy.
You may be wondering:
It makes sense that you would have a lot of questions about your health insurance. In Idaho, many people are fortunate enough to have PacificSource as their medical insurance provider. We are proud to be partnering with them to help give you an opportunity to recover from addiction.
Sometimes, the terminology used by health insurance companies and others in the healthcare industry can be confusing. You may be feeling confused about the terms, in-network and out of network. If you are, you're not alone. It's important to understand what these terms mean if you're searching for a drug or alcohol rehab facility.
When you choose a program that is out of network, the program does not have a contract with your health insurance company. What this means is that the program will be more expensive for you, overall. You will probably have to pay for all of their services out of pocket, and then get reimbursed. Traditionally, reimbursement rates for out of network providers are quite low. This means a lot of money coming out of your pocket in the long run.
When you choose a program that is in network, it means that there is a contract with the addiction treatment center. They will bill them directly, and the health insurance company will pay the center directly. You may be responsible for a small amount before you can start your treatment. This is usually a minimal amount that's called a copayment or co-insurance amount.
As you can see, it's more beneficial for you to choose an in-network addiction treatment center. That will minimize any out of pocket costs you might have in the long term. Also, you'll be able to get help without a hefty financial burden.
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Regardless of what type of addiction rehab you need, PacificSource insurance does have benefits that you can take advantage of.
This is excellent news! PacificSource insurance will cover your drug rehab whether you need:
The only thing you need to be concerned with is how to maximize your benefits so that you get the best possible coverage with PacificSource for your drug and alcohol rehab. What's even better is that there's no need for you to choose a specialty facility. As long as you go in-network, health insurance will help you pay for it.
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When you don't choose an in-network drug rehab or alcohol rehab, you usually have to pay for treatment upfront. This creates such a financial hardship for many people. Quite often, patients don't realize how much their addiction treatment is going to cost. If you're in need of drug or alcohol detox, it may cost you several thousand dollars to get help. This will, of course, depend on the type of treatment you need. If you're in need of inpatient rehab, you will be paying even more.
Out of network rehab facilities will require that you cover these expenses immediately. You are then reimbursed by PacificSource. Reimbursement can be very difficult, and quite frustrating.
Your health insurance company will only pay a certain amount of money toward rehabilitation services, unless they are in-network. Health insurance may reimburse you as little as 50% of the money that you paid to get help. You may have to wait weeks or even months before that money comes through to you.
If PacificSource is your health insurance agency, they will pay a lot toward your treatment. However, they will only do so if you chose an in-network alcohol treatment or drug treatment facility. It really is to your advantage to do so.
Every drug rehab facility has addiction specialists whose job it is to talk with you to determine what type of drug treatment you need. That person will also take your insurance policy into account when recommending drug treatment. Pacific Source is a great insurance company, and your addiction specialist will help you get the most out of your policy.
The first step is, of course, making that connection. The facility will need to talk with you to determine what your needs are. Depending on the type of addiction you have, you may be recommended for a specific type of treatment.
These typically include the following:
Once you have a recommendation, the specialist will contact your medical insurance agency for you. There's no need for you to do that yourself. This allows them to maximize your benefits, leaving you less to pay out of pocket. As long as you choose a program that is in-network, you'll be surprised how little you need to pay.
The Affordable Health Care Act has made it possible for many people to get the substance abuse rehab they need. That's because the law requires insurance companies like PacificSource to offer benefits for addiction treatment. This is something you may not have been aware of previously. It is a law that has made it possible for so many people to get the right treatment for recovery.
Today, more than ever before, addiction treatment is available for anyone who needs it.
You're doing the right thing by opting to get treated for your addiction. Fortunately, there are laws in place to help you get the care you need. It's exciting for us that Northpoint Recovery is now in-network with PacificSource medical insurance. This allows us to be able to offer drug and alcohol treatment to more people in Idaho.
Here at Northpoint Recovery, we want to be sure you get the rehabilitation services you need to recover from your addiction. If you'd like to find out about your benefits for drug rehab with PacificSource, simply fill out our convenient online insurance verification form. We'll be happy to check for you.
Are you looking for an in-network drug or alcohol treatment program that partners with PacificSource? We can help you! Please contact us.