New York Affordable Healthcare Insurance Coverage
Patients who struggle with substance abuse often find that this illness influences a large part of their lives, but fortunately there are experts and facilities who have the experience needed to help these patients make the necessary changes on the path towards sobriety.
As patients prepare to enter rehab, however, they must also find a way to conquer the costs associated with the treatment. Between detox, inpatient or outpatient rehab, continuing care and any alternative treatments, the price can add up. The Affordable Healthcare Act helps ensure that insurance companies provide coverage for patients, but it is important to know exactly what an individual plan covers so that the patient and their loved ones can budget.
Substance Abuse Coverage and Affordable Health Plans In New York
For patients in New York, there are numerous different companies providing affordable health insurance. This includes MVP Health Care, United Healthcare, Empire Blue Cross and Blue Shield, MetroPlus Health Plan, and EmblemHealth, among others. This diversity of options means that patients will find it significantly easier to find the right options to suit their needs.
The plans in the state are divided into five levels: Catastrophic, Bronze, Silver, Gold, and Platinum. These levels describe important information about the plans, including the percentage of care that they cover, how much they cost each month– relative to other plans and the deductible– also relative to other plans. The Catastrophic plans are unique because only people who are under the age of 30 and with a hardship exemption are allowed to buy them.
Catastrophic plans are priced between $125 and $350. The Bronze level plans generally cost between $300 and $560 per month. Silver plans are between $330 and $720. Gold level plans are between $420 and $820. Platinum plans are between $500 and $970. The lower the cost of the plan each month, the lower the percentage of care covered will be and the higher the deductible will be.
Health Savings Accounts
All the plans offered in New York will provide coverage for both inpatient and outpatient substance abuse and mental health treatment. For most treatment, however, patients should keep in mind that they will be required to meet their deductible before the insurance plan begins to pay for care. There are several plans offered in the state that allow patients to establish health savings accounts accounts. These accounts allow people to put aside tax-free money into a savings account that can be used to cover much of the deductible, copays, and other medical costs that can arise during treatment.
These accounts can often be used to fund certain types of alternative care. This provides patients with the flexibility they need to get the treatment desired to take care of their entire body. Alternative care focuses on healing the entire person: mind, body, and spirit and often includes acupuncture, chiropractic care, art therapy, or even horseback riding.
Stay Educated On Your Options
Learning about insurance coverage and rehab options can help patients and their loved ones find the right treatment for their substance abuse problem. Patients should be confident that their insurance coverage will provide them with some financial relief. Those interested in learning more about their available treatment options and how their coverage operates should use the resources at RehabCenter.net. We are always happy to help someone jump start their recovery in anyway possible.