Virginia Affordable Healthcare Insurance Coverage
Finding the right treatment for substance abuse can make an enormous difference in your quality of life. Abusing illicit substances can cause tremendous harm to a person’s mental and physical health, their interpersonal relationships, and their ability to maintain employment and a steady living situation. Unfortunately, the costs associated with treatment can feel intimidating. Not only do patients need to go through inpatient or outpatient rehab, but they also often need detox services before treatment and even aftercare when finished. Thankfully, affordable health insurance policies in Virginia provide coverage for substance abuse problems.
Substance Abuse Coverage and Affordable Healthcare Plans in Virginia
A Basic Overview Of The Plans In The State
Patients have access to Affordable Healthcare plans through HealthKeepers, Innovation Health Insurance Company, Kaiser Permanente, and United Healthcare of the Mid-Atlantic. These plans are divided into four levels: Bronze, Silver, Gold, and Platinum. These designations are designed to let patients know about how much of their health care the plan will cover and the relative cost of the plan.
Bronze plans will generally cover 60% of healthcare costs, Silver plans 70%, Gold will cover 80%, and Platinum will cover 90%. The balance here is that higher level plans also have higher monthly premiums. For example, Bronze plans have deductibles as high as $6,850. Their monthly cost is only about $200 and $280 monthly. By comparison, Silver plans generally cost a little more, between $260 and $315. Gold plans cost more than that– between $330 and $390. Finally, Platinum plans cost about $390 to $400, but might have a $0 deductible.
To help cover the costs associated with substance abuse treatment, some plans come with the option of an HSA– a health savings account. An HSA is an account that allows you to put aside tax-free money to cover medical expenses. This money can generally be put towards copayments, coinsurance, and deductibles. It can also be an enormous benefit for patients interested in pursuing alternative treatments and therapies. Those who need additional treatment after finishing rehab can use these savings as well.
The Costs Of Treatment
All of the plans are required to offer coverage for both inpatient and outpatient treatment for substance abuse. It is important to note, however, that each plan will have a different payment system. Most require the deductible to be met before the insurance company begins to cover costs. There is usually either a copayment or a coinsurance amount. Copayments range from $10 to $20 to as high as a few hundred dollars. Coinsurance payments generally range from 10% to 40%
It is also important to consider the costs of prescription medications during rehab. Some plans in Virginia have generic medications available for free after the deductible, others will have a $10 or $20 copay. There are some, however, that cost much for generic medicines, with prices like 50% coinsurance. Sometimes family counseling can also be beneficial and this will require more outpatient costs.
For those struggling with substance abuse, the right rehab can be an enormous asset and can help people begin the process of recovery. Insurance coverage can make this treatment affordable. Those interested in more information about their treatment and coverage options should get started with the resources on RehabCenter.net.