Rhode Island Affordable Healthcare Insurance Coverage
If you are a Rhode Island resident considering your options for substance abuse treatment, the first step is finding the right health insurance plan. Thankfully, drug and alcohol rehab is one of the essential health services defined by the Affordable Care Act. This means no matter what policy you purchase, you will get help paying the cost of rehab, but not all policies are equal. Consider some of the companies servicing individuals and families in the small state of Rhode Island.
BlueCross/BlueShield Of Rhode Island
BlueCross/BlueShield of Rhode Island offer plans on three levels under four brand names: BlueSolutions, VantageBlue, BasicBlue Direct, and BlueChip Direct. At the Bronze level, the deductibles range from $3,700 to $6,850. You will need to meet the deductible before the company pays for most services including, in and outpatient drug treatment.
Once you do meet the deductible, your contribution varies based on the plan you choose. For example, the Bronze level BlueSolutions for HSA Direct 3700/7400 plan costs 50% for both inpatient hospital stays and outpatient office visits. The BlueSolutions for HSA Direct 5350/10700 policy pays 100% for both services. With the BasicBlue Direct program, you make a copay for office visits of $85 but hospitals stays are fully covered.
Things change slightly at the Silver level. The deductibles range from $3,000 to $4,900, but your monthly contribution drops. Three plans offer copays for outpatient care from $45 to $65. Hospital care comes with a coinsurance payment between 10% to 20%. The Silver level BlueSolutions for HSA Direct 3900/7800 plan lists a coinsurance payment of 10% for both hospital care and office visits.
The three Gold level plans from this provider have lower deductibles, from $1,000 to $2,750, and offer the best substance abuse treatment coverage. They have higher monthly premiums and come with a copay for office visits: two cost $40 and one $30. One comes with a copay for hospital care of $200 per admission, another carries a coinsurance fee of 20%, and the Gold BlueBasic Direct pays the full cost of hospital care.
Neighborhood Health Plan Of Rhode Island
The Neighborhood Health Plan of Rhode Island also offers plans at three levels. There are two Bronze level plans, Secure and Economy. They carry high deductibles, $4,900 and $6,000 respectively, but only the Secure plan has coinsurance payments (20%) for substance abuse treatment. Thankfully, the Economy plan offers full coverage for both services.
At the Silver level, the Value plan allows has a copay of $25 for office visits while Community requires a coinsurance payment of 10%. Both plans ask for a coinsurance contribution for inpatient hospital care – 20% for Value and 10% for Community.
The two Gold plans for NHPRI have the brand names Plus and Principle. Both will accept copays for office treatments, $20 for the Plus plan and $25 for Principle. Inpatient hospital care carries a coinsurance fee of 20% for Plus and 5% for Principle.
Through UnitedHealthcare, you have access to plans under the brand names Compass and Choice. The Bronze level plans both come with deductibles of $5,600 and offer full coverage for all types of substance abuse treatment.
At the Silver Level, the deductibles drop to between $2,500 to $3,000 with a copayment of $60-$70 for office visits. Two plans require a coinsurance payment of 20%, but the Silver Compass HSA 2500 asks for a copayment of $500 dollars per admission.
The Gold plans follow the same trend. The deductibles drop further and you pay copayments between $25-$40 for all office visits. Hospital care costs 20% for the Gold Compass 1000 plan, 0% on the Gold Choice program and a copayment of $250 a day and up to $1,000 per admission.
Finding the right insurance company can be a complicated process. When shopping, Rhode Island consumers need to consider both the deductible rates and their contribution for drug treatment when making a selection. Contact us at RehabCenter.net to learn more.