Washington Affordable Healthcare Insurance Coverage
Health insurance is a viable option when you want to get treatment for mental health and/or substance abuse or addiction and an insurance plan will cover some or all of your care. And when you can’t get health insurance through an employer, you likely qualify for Affordable Healthcare insurance. This marketplace offers Washington residents access to large insurers as well as small ones, with government assistance to help you pay for your monthly premiums if you qualify for the financial help. All of the plans on the marketplace are required to cover care for mental health and substance abuse treatment.
Washington Affordable Care Act Coverage
Blue Cross Blue Shield is one of the major health insurance companies that offers health coverage through the marketplace in your state of Washington. In this state, BCBS provides insurance through its independent license, Premera Blue Cross. The company offers plans under the different levels.
With Bronze and Silver plans, you tend to pay lower monthly premiums and higher deductibles, with a lower percentage of your care covered. The higher level Gold and Platinum plans cost more each month, but have lower deductibles and cover a higher percentage of care.
Premera Blue Cross offers a few different types of plans with numerous options to choose from under each category. This means you can choose the plan that will best fit your needs based on your budget and the health care coverage you expect to need for the year.
Specific Premera Plan Options
Premera Blue Cross offers the Gold plan option entitled the Preferred Gold 1000 plan. Inside the network, your substance use and mental health care require a $30 copay for an office visit. Both inpatient and outpatient care cost 20% co-insurance, while the deductible is waived for outpatient care. Outside the network, you pay the deductible first and then 50% co-insurance for office visits, inpatient care, or outpatient care.
The Preferred Silver 3000 plan requires a $50 copay for in-network office visits. And like with the Gold plan, inpatient and outpatient care costs a 20% co-insurance with a waived deductible if you choose outpatient care. Outside the network, the cost is the deductible and then 50% co-insurance for all three types of treatment.
A Bronze choice is the Preferred Bronze 6350 plan. In-network office visits, inpatient care, and outpatient treatment require a deductible and then a 20% co-insurance. Outside the network, you pay a 50 percent co-insurance after the deductible.
Choosing And Using Your Plan
Since you plan to enter a rehab program, you might benefit from having lower deductibles and a higher percentage of care covered, but that decision ultimately falls on you. Once you have your plan, check which professionals and facilities the network covers, so you can ensure coverage and lower your costs. You might need preauthorization with your plan, and check whether detoxification, wilderness centers and/or the type(s) of treatment you want or need are covered. All these considerations can be confusing, so don’t hesitate to contact us at RehabCenter.net to learn more.