Texas Affordable Healthcare Insurance Coverage
Health insurance coverage plays a key role in an individual’s ability to seek treatment for substance abuse Obamacare policies allow individuals to find coverage for their treatment. The companies that offer policies vary, so it’s important to understand your options and how they can affect your treatment effectiveness.
What Is Obamacare?
Obamacare refers to a low-cost health insurance policy that is available through a public insurance provider. It must comply with the standards of the Affordable Care Act. Privatized policies are not considered Obamacare due to the private nature of the plan.
Texas residents have a variety of Obamacare insurance policy options through several different providers and companies. Individuals can select policies from national providers, like Blue Cross Blue Shield, Aetna, United Healthcare, and Humana, or through state and local providers, like IdealCare or Ambetter.
In general, individuals can choose from basic Bronze policies to Gold and Platinum policies under Obamacare. Bronze policies have the lowest monthly premiums, such as $150 to $200. However, Bronze policies also have the highest higher deductible. For example, a Bronze policy can have a deductible of $6,000 per person and might only cover 60 percent of the costs of addiction treatments.
Silver and Gold policies in Texas usually offer greater coverage for most healthcare needs. For example, it can cover 70 to 80 percent of most treatment expenses. The deductible is also lower when compared to a basic Bronze policy,, but both have a higher monthly expense.
Coverage For Substance Abuse
When you or a loved one show signs of substance abuse or a mental health disorder, seeking treatment starts with understanding your insurance. In Texas, the policies through Obamacare offer coverage for substance abuse and mental health disorders. For example, a policy can cover roughly 60 percent of the treatment costs in a residential program or have a co-payment for out-patient care.
Factors to consider when evaluate the coverage in a healthcare policy through Obamacare include:
- The deductible
- Limitations in the policy, particularly in relation to the length of treatment or types of programs the policy covers
- The percentage that the policy covers
- Exclusions for specific types of programs
- In-network vs. out-of-network programs and expenses related to both types of treatment programs
- Co-payment costs
Affordable policies offer coverage for most healthcare needs, including substance abuse and mental health disorders. In many cases, you will need to pay the deductible before coverage for addiction treatment applies. Usually, outpatient treatment costs less than inpatient or residential care, but the details vary between policy options.
Seeking Treatment In Texas
Texas insurance providers offer policies that comply with the Affordable Healthcare Act and by working with your insurance provider, you can find appropriate addiction treatment options. For more details about Obamacare or to find an appropriate insurance policy, use the tools at RehabCenter.net today.