Idaho Affordable Healthcare Insurance Coverage

Idaho Affordable Healthcare Insurance Coverage

Don’t let trouble paying for substance use or mental health treatment be the factor that holds you back from entering a program or succeeding with recovery. If you’re concerned about the cost, rely on a health insurance plan. Through the Affordable Care Act, you’ll be able to find an individual plan through your Idaho state marketplace that covers mental health treatment and substance use treatment. In fact, all plans on the marketplace do.

Comparing Health Plans to Fit Your Needs

Choose a plan that fits your preferences. When you compare plans, you can see how much of your treatment costs the plan covers and how much the plan requires you to pay yourself. On the marketplace, you’ll see Bronze, Silver, Gold, and Platinum plans. The metallic level gives you an idea of how the plan will help you. That’s because the lower level (Bronze and Silver) plans cost you less in premiums but have higher deductibles and cover a lower portion of your care.

The higher level (Gold and Platinum) plans have higher premiums and lower deductibles, and they cover more of your care. Since you’ll be taking advantage of your plan for substance abuse or addiction treatment, a higher level plan might benefit you since you’ll be getting a lot of use out of it.

Once you have coverage, you can ask your insurer for authorization for the type of treatment you need. This could include detoxification, counseling, wilderness treatment, holistic care, luxury facilities, and other types of care you or your doctor thinks could facilitate your recovery from a substance. And if you have a dual diagnosis with a mental disorder, you can get treatment for that as well through health plans on the Idaho marketplace.

Plan Options to Choose From

In Idaho, you’ll see many plans you could sign up for that are offered by different insurers. One of the big-name companies you’ll find is Blue Cross Blue Shield. Here is an idea of the plans you could get through BCBS and how those plans would cover your treatment.

At the Bronze level, you have the Bronze Choice QHP plan as one of your options from Blue Cross of Idaho. This plan comes with a $6,850 individual deductible when you receive your care from in-network providers and facilities. In the network, you pay a $30 copay for each outpatient visit and you have no charge for inpatient treatment after paying the deductible. Outside the network, you’re responsible for a 30 percent coinsurance for your care. For all types of treatment under this plan, you need to get preauthorization from the insurance company.

A Silver level option is the Silver Choice $4,000 QHP plan, which gives you a deductible for one person of $4,000 with in-network care. In the network, you pay a $20 copay for an office visit or a 30 coinsurance for outpatient programs at a facility. The plan also charges a 30 percent coinsurance if you check into an inpatient facility. Outside the network, inpatient care and outpatient care require a 50 percent coinsurance. You also need to get your care for these types of treatment preauthorized, no matter what type.

For a higher level Gold plan, consider the Gold Choice QHP plan, which gives you a lower in-network individual deductible of $1,000. When you stay in the plan network for professionals and facilities, expect to pay a $20 copay for office visits or a 15 percent coinsurance for inpatient or outpatient facility programs. If you opt to go to a facility outside the network, your coinsurance would be 50 percent instead. You need your insurance company to authorize your care for both inpatient and outpatient care on this plan. Blue Cross Blue Shield does not offer a Platinum level plan on the state marketplace in Idaho, so Gold is the highest metallic level you can get through this insurer.

Choose Your Best Plan

It’s up to you which plan of the many available in your state could best fit your health needs and your financial situation. Once you pick a plan, be sure to.use it to its full potential so you can improve your health and your whole life.

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