Georgia Affordable Healthcare Insurance Coverage

February 23, 2016

For those struggling with substance abuse, the road towards recovery can feel daunting. Many patients with this illness find themselves needing treatment and therapy for weeks and even months to help them through to recovery. Patients must learn better ways to deal with stress and they need to learn how to become productive members of society. When people think about extended medical treatment, however, it is easy to get overwhelmed by the cost. Fortunately, insurance should provide patients with at least some coverage. Here is what patients in Georgia should know about their Affordable Heathcare plans.

Substance Abuse Coverage and Affordable Healthcare in Georgia

The Affordable Healthcare plans available in Georgia come from a number of different well-known companies. This includes Aetna Health Inc, DBA Coventry Healthcare of Georgia, Blue Cross Blue Shield of Georgia, Humana, Kaiser Permanente, and United Healthcare. These plans vary widely in the monthly costs found in the premium, the deductible rate, and the percentage of care that will be covered by the plan.

The Bronze plans will generally cost the least each month, but they will have the highest deductibles and cover the least amount of care. The plans cover an estimated 60 percent of the care, and in Georgia the monthly premiums can range from about $230 to just over $300. The deductibles for these plans range from $6,400 to $6,850. For Silver plans, about 70 percent of the patient’s care will be covered, while monthly premiums will range from $270 to $350. The deductibles can be as low as $3,600 and as high as $6,850. Finally, Gold level plans will cover about 80 percent of the health care costs, with monthly premiums ranging from $360 to $460. The deductibles for these plans range from $3,500 to a high of $6,600.

For most plans, patients will have to pay the entire deductible before their insurance will kick in and begin paying their healthcare costs for treatment such as substance abuse care. Fortunately, to help patients budget for these costs, as well as the copayments and coinsurance costs that often arise, some of the plans offered in Georgia do allow patients to set up an HSA. This is a health savings account that patients can use to put aside some tax free money that will help them cover medical costs. This is a convenient way for many patients to put aside money for these anticipated expenses related to substance abuse treatment and mental health care.

All the plans offered in Georgia provide patients with coverage for both inpatient and outpatient substance abuse treatment. This means that those struggling with this illness know that they will not have to pay everything out-of-pocket. There are a few different ways that patients might find their payment for this type of care has been structured. For some, the insurance company will charge a flat copayment while others will have a co insurance payment due. Even within these two payment options there can be considerable variety. Copayments can range from $10 to over $200 while co insurance payments can range from 10 percent to about 40 percent. Patients should plan for these projected costs when planning for rehab.

It is also common for patients and their families to need to think about emergency services. Substance abuse can be very dangerous for patients. Patients who find themselves in need of a trip to the emergency room will often have to pay at least some of the cost out-of-pocket. A few plans do not have any charge after the deductible has been met, but most have either a co insurance payment or a copayment– and sometimes both. Both fees can vary widely, with coinsurance rates between 10 percent and 40 percent and copayment fees going up to $500.

Finding the right rehab can be a challenging, but critical, part of treatment for substance abuse problems. When patients and their loved ones know what their insurance covers and how to budget for their out-of-pocket costs, they will feel more empowered and confident heading into treatment. Those interested in finding out more information about their coverage and their treatment options should visit RehabCenter.net. Our resources will help you get started.