Nebraska Affordable Healthcare Insurance Coverage
The first steps to overcoming an issue with drug or alcohol dependence are admitting there’s a problem and deciding how to treat the issue. Generally speaking, the most effective form of treatment for substance abuse is checking into a residential treatment facility, or inpatient treatment center, to seek treatment for 30-120 days. Inpatient treatment centers provide around-the-clock care to patients and offer much more intensive care than the other main type of treatment, outpatient treatment, where individuals generally attend a meeting or two per week and continue to live out their lives as normal.
The costs associated with checking into an inpatient rehabilitation center can be intimidating and while Nebraska citizens may attain healthcare through their employer, there are affordable and adequate options for those who do not qualify. For instance, Nebraska residents can purchase one of the plans offered in the state as part of the Affordable Care Act, the federal healthcare program otherwise known as “Obamacare” in order to help pay for their rehabilitation treatment.
The Affordable Care Act In Nebraska: The Basics
There are a variety of different healthcare providers that offer plans under the Affordable Care Act in the state of Nebraska. Some of these providers include UnitedHealthcare, Blue Cross Blue Shield of Nebraska, Medica Insurance Company, and Coventry Health Care of Nebraska. Many providers break their plans into gold, silver, and bronze plans. Gold offers more full coverage, but has a higher monthly premium: silver and bronze have decreasing coverage limits and lower premiums. For instance, a Coventry Health Care of Nebraska Gold Plan is about $80 higher per month than a silver-level plan for an individual age 21-30.
Affordable Health Care In Nebraska
Every plan offered through the Affordable Care Act offers some sort of coverage for substance abuse treatment, but it’s worth noting that coverage levels vary. For instance, a BlueEssentials 3500 HSA Bronze Plan offered by Blue Cross Blue Shield of Nebraska covers 50 percent of the cost of inpatient treatment for in- and out-of-network care.
Conversely, the Coventry Gold $10 Copay plan covers 20 percent of the inpatient costs in network and 50 percent of the inpatient treatment costs out of network. Another Affordable Care Act plan, UnitedHealthcare’s Gold Compass plan, covers 30 percent of the cost of inpatient treatment, no matter whether it’s in or out of network.
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When it comes to seeking treatment for substance abuse issues, having a good healthcare plan on your side can help big time in terms of paying for the help that an individual needs. That’s why it’s important to be familiar with your healthcare plan. For more information on the Affordable Care Act in Nebraska, visit RehabCenter.net today and speak to our helpful counselors.