Alcohol And Drug Rehabs That Accept Tufts Insurance
Like most insurance companies, Tufts offers coverage for addiction treatment. Coverage plans vary and it is important to understand what they will cover, as well as the structure of a typical plan. Knowing this information can help you get the treatment you need to live a life of sobriety.
In many ways, insurance companies are your best friend when you’re going through addiction recovery. They help pay for your services and get you back on your feet much quicker. If you live in the Massachusetts area, you may have heard of Tufts Health Plan and perhaps are curious as to whether or not their insurance plans will cover addiction recovery services.
Who Is Tufts Health Plan?
Tufts Health Plan is a nonprofit company that started in 1979 offering high-quality insurance coverage to people who lacked it. They are a company focused primarily in Massachusetts and Rhode Island, though they offer three national plans, including CareLink, Cigna PPO, and PHCS Multiplan. In their two highly covered states, they offer multiple plans that are designed to offer you a myriad of treatment approaches.
Tufts Health Plan has what is known as a “community benefits mission statement,” and it reads: “Tufts Health Plan is committed to promoting the health and wellness of vulnerable populations in our communities. We do so every day through our ongoing activities and the hard work of our devoted staff. We also meet this commitment through the dedicated resources of the Tufts Health Plan Foundation, which currently focuses on serving older adults through programs and education promoting healthy aging.”
Though Tufts Health Plan is focused primarily on providing coverage for older adults, they do offer programs for younger adults and even children. They are one of the only providers in Massachusetts that offers Medicare and Medicaid benefits and they were more than happy to offer mental health insurance coverage for addiction.
What Addiction Services Tufts Will Cover
The Mental Health Parity Act made it necessary for insurance companies to offer coverage for addiction, as it is classed as a mental health disorder. Tufts Health Plan was pleased by this change, as they were already offering coverage for addiction. When it comes to addiction services, Tufts Health Plan offers a wide variety of coverage. For example, they’ll cover:
- Outpatient services
- Emergency treatments for overdose or withdrawal needs
- Inpatient behavioral and substance abuse services
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The key to a successful recovery is maximizing your positive outcome using whatever method is appropriate for you. For example, outpatient services might be all that you need to recover, helping you save money and time on inpatient services. It’ll also help save you on the deductible (which we’ll discuss in more depth later).
However, your addiction may be too intensive for outpatient services, making inpatient necessary. While it may cost you more in services and deductible payments, with Tufts Health Plan, those costs will be greatly decreased.
Other Mental Health Services They Cover
Beyond covering various outpatient and inpatient services, Tufts Health Plan also gives you access to other mental health treatments. These are designed to help you fully understand your addiction and to find a way to treat it in a successful and healthy manner. Some of the most popular of their covered treatments include:
- Psychiatric nurses who evaluate your addiction severity
- Psychiatrists who gauge any serious mental health concern that contributes to your addiction and find a solution that works for you
- Licensed medical doctors who treat the physical concerns that impact your addiction
- Online resources that help you better manage your insurance options and find doctors and prescription refills in your area
The last option is one that truly sets Tufts Health Plan apart from many of its competitors. They are highly dedicated to offering you comprehensive services that make your insurance easier to implement. For example, they make it easier for you to find a rehab center near you that can offer you a specific treatment method. This is more worthwhile than you might think.
Let’s say that you suffer from a severe behavioral disorder that compels you to use drugs. Your psychiatrist suggests dialectical behavioral therapy, but there are no addiction centers near you that offer this service. Instead of receiving treatment that won’t work, Tufts Health Plan will help you find one that does offer this service and will work hard to ensure that your treatment is covered as much as possible.
Coverage Offered By A Typical Plan
To give you a better feel for what Tufts Health Plan offers, we are going to break down a typical Massachusetts plan. We’ll take a look at the Advantage HMO Plan, as it offers pretty standard coverage for Tufts. When it comes to addiction and mental health treatment services, this plan will cover some services without requiring a deductible being met, such as all outpatient mental health care treatments. However, inpatient mental health and substance abuse treatments require a deductible to be paid prior to services being acquired.
Needing to meet a deductible may be discouraging to you if you require inpatient treatment, but look at it from a different angle. Though the deductible amount will vary, it usually tops off at about $500-$1,000 under this plan. As a result, you’ll only have to pay that amount for your inpatient treatment, while Tufts will cover the rest. While still a hefty investment for many people, it’s much more manageable than taking on the full responsibility of paying for your treatment. It is also key to remember that in the end, your addiction will also cost a far greater monetary amount than that of any deductible.
When it comes to copays, the amount will vary. For example, you may have to pay $20 for medications that may otherwise cost as much as $200. Addiction treatment often requires a variety of medicines, such as replacement drugs, anti-depressants, anti-inflammatory aides, anxiety relief treatments, and much more. One interesting thing about this particular HMO plan is that it offers coinsurance for items such as prosthetics or low-protein foods. Understanding these options is crucial to maximizing your policy efficiency.
One last benefit that this and other Tufts Health Plan insurance options offer is an out-of-pocket maximum. This is similar to a deductible, but applies to all your health costs, not just one treatment. As a result, they can help you pay for multiple treatment options, such as outpatient care, staying in a halfway house, and attendance at important sobriety meetings. You’ll never have to pay more than you can afford with this option as it maxes out at a certain point and everything thereafter is covered at 100 percent.
Tufts Can Help You Achieve Sobriety
As you can see, Tufts Health Plan offers you a variety of coverage options that can help give you the treatment success that you deserve. To learn more about their coverage or any other insurance coverage, please contact us today at RehabCenter.net. We can give you the information you need to fully recover from addiction in a healthy and safe manner.