Hawaii Affordable Healthcare Insurance Coverage
Your health and the health of a dependent loved one starts with finding the right insurance policies to address your needs. Due to Obamacare and the Affordable Healthcare Act, you must purchase health insurance for every member of your family. By understanding your options and comparing different policies, you can ensure that you purchase the right plans for substance abuse and addiction treatment coverage.
Treating Addiction with Help
The Affordable Healthcare Act requires that insurance providers offer a certain amount of coverage for mental health disorders and related health conditions, including substance use disorders and addictions. When you or a loved one shows signs of substance abuse, you want to make sure that you have a policy that addresses the situation and helps you cover the costs of treatment.
Factors to consider when selecting a policy include:
- Overall costs associated with treatment
- Limitations in the policy, specifically if you need specialized care for substance abuse or a specific mental health disorder
- Exceptions stated in the policy
- Types of treatment programs that address substance abuse
- Health concerns that can arise
Substance use disorders complicate your health and well-being because it harms the way that your body functions. By working with your insurance provider to find the right treatment facility and type of treatment program, you can reduce the risks associated with recovery and ensure that you have the proper tools to work on improving your health.
Insurance Providers for Obamacare
In Hawaii, two primary companies work with Obamacare to provide affordable health coverage for individuals and families. The providers specifically provide policies for individuals as a public policy rather than a privatized plan, so it can help with any individual situation or budget.
Kaiser Permanente and the Hawaii Medical Service Association offer different policies and options for healthcare coverage. The insurance providers allow individuals to select a policy that addresses personal needs or that complies with personal standards for a budget. Individuals can choose from low-cost and basic policies to more comprehensive plans that address most healthcare needs for a slightly higher rate.
Types of Affordable Insurance Policies in Hawaii
The insurance providers offering affordable coverage in Hawaii provide a variety of different options and types of policies based on personal goals and concerns. The basic Bronze and Silver policies provide standard or basic care solutions that help address the most common health concerns and emergencies that can arise.
As a general rule, Bronze and Silver policies offer affordable monthly rates, such as $150 per month for a Bronze policy or around $180 per month for a Silver policy. The exact rates depend on the policy details, but the monthly costs are usually reasonable. The downside of the policy is the out-of-pocket expenses and the limitations in coverage. In most cases, a Bronze or Silver policy has a higher deductible that you must pay before coverage applies to many treatments and you might not have the same amount of coverage for in-network treatments when compared to more comprehensive policies.
Gold and Platinum policies offer a greater amount of coverage, but the monthly costs are also higher than other options. For example, a policy might charge $220 to $240 per month for a Gold policy or $260 to $330 per month for a Platinum policy. While the monthly costs are usually higher, the out-of-pocket expenses are usually lower because the policy covers a greater percentage of the treatment expenses. Furthermore, a deductible in a Gold or Platinum policy is usually lower than the deductible for basic policies.
When selecting an insurance policy that addresses your needs, consider the treatments that you expect for the year. If you feel that you will have several expenses, then you want a comprehensive policy. If your goal is protecting against emergencies and basic check-ups, then you can focus on Bronze or Silver policies for more basic coverage solutions.
Comparing Policies in Hawaii
The best policy for your needs in Hawaii depends on your budget and your goals. By comparing the different rates, out-of-pocket expenses and the coverage provided by the policy, you can select an appropriate plan for your family. To learn more about insurance policies in Hawaii or to compare different options, use the tools at RehabCenter.net today.