Utah Affordable Healthcare Insurance Coverage
Residents of Utah have multiple companies to choose from when picking a health insurance plan to help cover their substance abuse treatment. All will cover it in some manner, but how much the company pays varies by plan. Choosing the best plan for you requires understanding your deductibles, the coverage offered by each plan, and what treatment service you’re likely to need.
For more than 30 years, SelectHealth has been offering insurance solutions in both Utah and states that they are one of the nation’s top integrated health systems. As a result, they have 57 different affordable healthcare plans available in Utah:
- 15 Bronze
- 24 Silver
- 18 Gold
These are all HMO programs, meaning you go through a primary care physician for your addiction treatment. Each plan has different levels of coverage for substance abuse treatment for both in and outpatient care. One thing they have in common, however; is you must stay in your network for treatment. They also all require pre-authorization or benefits may be significantly reduced.
The SelectHealth Bronze level plans all have high deductibles and the policies state you must meet all costs up to the deductible amount before the plan pays. Once the deductible is met, HealthSelect pays a large percentage, between 70 to 90% of inpatient care, regardless of the deductible.
They also all require a copay per office visit for outpatient therapy. The most common copay amount is $50. Some plans like the Select Values HealthSave Bronze 6550 policy pays all the costs of both in and outpatient care once the deductible is met.
The Silver plans tend to have lower deductibles and higher premiums. The SelectHealth Preference Benchmark Silver 1250, for example, offers a $1,250 deductible with a $6,850 out-of-pocket maximum. They also handle drug treatment a little differently. After the deductible is met, you must pay 50% of the cost of inpatient treatment for this same plan. You also pay a per visit copay of $35 and a 50% of the total cost for outpatient care.
The coverage may change as the deductible goes up. For instance, the Select Value Preference Silver 2500 plan has a deductible of $2,500 but you pay only 20% of the cost of inpatient treatment.
Humana offers affordable health insurance policies to the people of Utah in some areas like Salt Lake City, but they may not be available throughout the state. Humana has a plan at every level, including two Bronze policies. Each is an HMO policy. The lowest deductible is the Humana Platinum 500 with a $500 deductible and $1,500 out-of-pocket expense. The other plans are between $2,500 and $6,450.
For high-deductible plans like Humana Bronze 6450, the company pays for all inpatient and outpatient service once the deductible is met. Lower deductible plans cover a little less. The Humana Platinum 500 requires you to make a 20% copayment for inpatient care and a $20 and 20% contribution to outpatient treatment.
Molina Healthcare of Utah
Molina offers one policy for Bronze, Silver, and Gold metal levels. The Bronze policy requires a deductible of $5,000 dollars, the Silver plan $2,000, and the Gold policy $500. These plans also limit the amount they are willing to pay for certain services, so if the facility charges more, you may end up paying the difference.
Molina bases its contribution toward drug treatment on various levels. For Bronze, there is a 40% coinsurance payment for inpatient treatment and a $25 copay for outpatient therapy. Silver offers a 30/20 split and the Gold plan comes with a 15/20 payment.
No matter what healthcare company you select in Utah, do your research to know what funding you can count on as you work towards a life of sobriety. And for more information about rehabilitation options and your insurance, please talk to us at RehabCenter.net today.