South Carolina Affordable Healthcare Insurance Coverage
South Carolina residents are lucky to have a variety of affordable health insurance choices to help them overcome their debilitating addictions. The Affordable Healthcare Act has designed several different plans for people like you. In fact, there are currently 57 different Obamacare plans on the market in South Carolina, so finding one that will help you back on the road to sobriety should not be difficult.
BlueChoice Healthplan
The biggest contender in SC is BlueChoice HealthPlan South Carolina. They have 30 different plans in the state, including six Bronze, 18 Silver, and six Gold level policies. BlueChoice offers EPO plans, meaning you must stay within the network to get benefits.
Typically, a Bronze metal level plan works best combined with a health savings account. The platform is based on high deductibles and low monthly premiums. Deductibles range from $4,000 to $6,850. The next thing to consider is the coinsurance payment, usually presented as a percentage. For example, the Bronze level Blue Option / Bronze 6500 requires you take make a 50% coinsurance contribution. This means you split the deductible bill with your provider.
The Blue Option / Bronze 6850 requires no coinsurance payment for either in or outpatient substance abuse treatment and you must only meet the yearly deductible. That said, neither plan offers benefits for out-of-network care and require pre-authorization for urgent care.
At the Silver level, the deductibles range from $1,000 to $6,850, but the payment structure for drug treatment varies. For instance, the Blue Option / Silver 6002 comes with a $6,000 deductible and an out-of-pocket maximum of $6,850. However, you pay a 10% percent coinsurance fee for outpatient services and a $300 initial copay for inpatient care. After the copay, you pay the deductible and a 10% coinsurance fee.
The plans with lower deductibles, like the Blue Option / Silver 1250 policy, may have a higher service contribution. This plan requires you to pay 50% for both in and outpatient drug treatment, but the deductible is just $1,250.
The Gold Plans follow the same basic pattern but the amount of the coinsurance drops. For the Blue Option / Gold 2001 program, you pay a 20% coinsurance payment for both types of rehab.
Blue Cross Blue Shield Of South Carolina
Blue Cross Blue Shield offers EPO plans to South Carolina residents under the brand name Blue Essentials. The BlueEssentials HD Bronze 2 program comes with a deductible of $6,300 per person and a 50% coinsurance fee for all types of substance abuse treatment. The Gold level BlueEssentials Gold 1 has a deductible of $1,200 and a coinsurance charge of 20%. However, some plans have a copayment of 15% per office visit as long as you stay in-network.
With Blue Essentials policies, you must be diligent about pre-authorizations. The company states clearly that no payments are made for drug treatment without them. They may also limit the kinds of service they cover, such as psychological testing.
If you anticipate entering a drug treatment program this year, find a policy that fits your budget and makes rehab more affordable. Need to learn more? Plea
se contact us at RehabCenter.net to talk to a helpful rehabilitation and insurance counselor.
