Maryland Affordable Healthcare Insurance Coverage
Insurance can lift an enormous burden off the shoulders of patients struggling with substance abuse and addiction. Plans can help cover the critical care that can get patients started on the road towards recovery. Those seeking coverage should familiarize themselves with what is offered in each plan so they can make the best decisions about their coverage and the care they require.
Affordable Care Health Plans in Maryland
For patients in Maryland, there are a number of different qualifying health plans available. These plans come from various providers, including All Savers Insurance Co.– a United Healthcare Co., CareFirst BlueChoice, CareFirst Blue Cross Blue Shield, Cigna Healthcare, Evergreen Health, Kaiser Permanente and United Healthcare of the Mid-Atlantic. These plans are divided into four levels: Bronze, Silver, Gold, and Platinum. Typically the higher the plan is ranked, the higher the monthly premium will be, but the lower the deductible will be. For example, on the Bronze plans, the monthly premiums range from about $160 to $290. Meanwhile the deductible ranges from $4,500 to $6,500. On the Platinum Level, on the other hand, the monthly premium is between $330 and $360, while the deductible is between $0 and $350. Patients and their loved ones will have to determine which type of plan will work best for their individual needs and budgets.
When it comes to inpatient and outpatient care for substance abuse treatment, costs can vary considerably. All plans are required to provide coverage for both types of care, but there is a great diversity in how they structure costs and the amount that will end up coming out of the patient’s pocket. Some plans will have a flat copayment, which can range from only $10 to several hundred dollars. Others will have a coinsurance rate, which is the percentage of the cost that the patient will be required to cover. This might be only 10 percent, or it could be up to 40 percent. There are a few plans that will not have any additional charges for substance abuse care, but patients will need to meet their deductible.
Patients will also need to consider costs for additional types of treatment. For most patients, the standard inpatient or outpatient care is not the beginning or the end of the treatment for substance abuse. Many patients may begin their journey in a hospital because of an emergency they had related to their substance abuse problem. All of the plans in Maryland also cover emergency room care, but the costs can range from no charge after the deductible to $250-$500 after the deductible. There are also several plans that instead charge a coinsurance rate, generally between 10 percent and 30 percent.
After patients finish their main treatment, most will also need some form of continued care as they prepare to reenter society. Some might be served well through a halfway house, where they are surrounded by a network of others going through the same process. Others might elect to see a therapist on their own. Patients will need to budget for the costs of these treatments as well. Fortunately, some of the plans in Maryland do allow patients to have an HSA– a health savings account. This allows patients to put aside tax-free money to cover certain medical expenses, such as copays and deductibles. Those who have a high copay, for example, might benefit from this if they plan on continuing with regular outpatient care after finishing inpatient treatment.
Entering a treatment fac
ility can be a critical aspect of the recovery for many patients facing substance abuse issues. Those interested in learning more can use the resources available at RehabCenter.net to research their coverage and care options or reach out to us for more help.
