Wyoming Affordable Healthcare Insurance Coverage
Wyoming residents have the benefit of the Affordable Care Act, which has made substance abuse treatment coverage mandatory. The exact coverage will depend on the insurance provider. It is essential that you do some research and consider the plans like these closely, especially if you are in need of drug or alcohol treatment.
BlueCross BlueShield of Wyoming
In Wyoming, the company that is offering affordable health insurance is BlueCross BlueShield of Wyoming. They have 28 PPO plans in place that residents can purchase. The exact number may vary based on your location. PPO stands for preferred provider organization – a program that gives you more freedom when choosing doctors and hospitals.
BCBS currently offers eight Bronze policies, 12 Silver plans, and eight gold programs in Wyoming. Each one is defined by the deductible and out-of-pocket maximum. They are broken down further by the brand labels such as Value, Classic, Core, and Basic.
Typically, Bronze plans carry a high deductible and low premium. In Wyoming, they range from $3,500 to $6,000 the deductible is a critical factor in choosing a plan because with BCBS you must meet it before the company covers drug or alcohol treatment programs.
They also put a limitation on what treatment services they cover. In Wyoming, BCBS excludes couples or family therapy related to substance abuse treatment. The benefits also do not include coverage of therapy for codependency.
The two Bronze Value plans both pay 100% of the cost for in and outpatient treatment if you stay in-network. If you choose a doctor or facility out-of-network, the company still pays 50% for both as long as you have met your deductible.
The Bronze Core and Basic plans change the coinsurance requirement for in-hospital detox, inpatient, and outpatient care. The insurance provider covers 50% of the cost of all services with the exception of family or codependent therapy. This is true for both in-network and out-of-network facilities.codependent therapy. This is true for both in-network and out-of-network facilities.
The Silver plans are listed as ValueTwo, ValueOne, Classic, Core, HealthPlus, and Basic. The deductibles at the Silver level are more mid-range and fall between $2,500 and $3,250. If you are choosing from the Silver Plans, it is very important to pay attention to which of the plans you select, because each one pays a different percentage for substance abuse treatment.
For example, the Value Two policies require you to pay 20% of all services including inpatient, outpatient, and detox treatment whether you stay in-network or not. They have the same exceptions as the Bronze level plans. BCBS will not pay for family therapy or codependency treatment.
For ValueOne plans, the company’s contribution drops to 50% for all drug treatment services including managed detox. The Classic coverage is set at 35% coinsurance, so the company pays 65%, and Core is 20%. The HealthPlus and Basic policies are all at 25%.
Gold plans provide the people of Wyoming with low deductible choice, but high premium, choice. Deductibles range from $750 to $1,550 and use the brand names Basic, Classic, HealthPlus, and Core. As with the other policies, you must meet the deductible before the benefits begin. All coverage is coinsurance, meaning you pay the percentage listed and BCBS pays the difference.
Of the Gold level plans, the Core brand pays the highest percentage for substance abuse treatment. Core plans buyers will pay only 5% of the cost of care after meeting a $1,550 deductible. The Healthplus comes in at 15% with a $1,000 dollar deductible. All other plans are set at 20% coinsurance.
BlueCross BlueShield of Wyoming offers affordable policies throughout the state. The key is to pick a deductible that fits your budget and then check to see what your coinsurance contribution is before making a choice. Do you need some more help? Then please contact us at RehabCenter.net.