Free Or Low-Cost Drug And Alcohol Rehab Centers In Texas

Published on February 4, 2019

Texas Offers Free And Low-Cost Drug And Alcohol Abuse Treatment

The Lone Star State offers plenty of options when exploring substance abuse treatment facilities. With so many available, trying to locate an option that meets the needs of you or your loved one can feel entirely overwhelming.

*Rehab centers mentioned in this article are not affiliated with RehabCenter.net.

Health insurance coverage plays a key role in an individual’s ability to seek treatment for substance abuse Obamacare policies allow individuals to find coverage for their treatment. The companies that offer policies vary, so it’s important to understand your options and how they can affect your treatment effectiveness.

What Is Obamacare?

Obamacare refers to a low-cost health insurance policy that is available through a public insurance provider. It must comply with the standards of the Affordable Care Act. Privatized policies are not considered Obamacare due to the private nature of the plan.

Texas residents have a variety of Obamacare insurance policy options through several different providers and companies. Individuals can select policies from national providers, like Blue Cross Blue Shield, Aetna, United Healthcare, and Humana, or through state and local providers, like IdealCare or Ambetter.

In general, individuals can choose from basic Bronze policies to Gold and Platinum policies under Obamacare. Bronze policies have the lowest monthly premiums, such as $150 to $200. However, Bronze policies also have the highest higher deductible. For example, a Bronze policy can have a deductible of $6,000 per person and might only cover 60 percent of the costs of addiction treatments.

Silver and Gold policies in Texas usually offer greater coverage for most healthcare needs. For example, it can cover 70 to 80 percent of most treatment expenses. The deductible is also lower when compared to a basic Bronze policy,, but both have a higher monthly expense.

Coverage For Substance Abuse

When you or a loved one show signs of substance abuse or a mental health disorder, seeking treatment starts with understanding your insurance. In Texas, the policies through Obamacare offer coverage for substance abuse and mental health disorders. For example, a policy can cover roughly 60 percent of the treatment costs in a residential program or have a co-payment for out-patient care.

Factors to consider when evaluate the coverage in a healthcare policy through Obamacare include:

• The deductible
• Limitations in the policy, particularly in relation to the length of treatment or types of programs the policy covers
• The percentage that the policy covers
• Exclusions for specific types of programs
• In-network vs. out-of-network programs and expenses related to both types of treatment programs
• Co-payment costs

Affordable policies offer coverage for most healthcare needs, including substance abuse and mental health disorders. In many cases, you will need to pay the deductible before coverage for addiction treatment applies. Usually, outpatient treatment costs less than inpatient or residential care, but the details vary between policy options.

Seeking Treatment In Texas

Texas insurance providers offer policies that comply with the Affordable Healthcare Act and by working with your insurance provider, you can find appropriate addiction treatment options. For more details about Obamacare or to find an appropriate insurance policy, use the tools at RehabCenter.net today.

Humana Plans

You can choose from HMO, PPO and POS plans in Texas. The range of plans include Bronze (which covers less, but has lower premiums) to Silver, Gold, and Platinum (which has the highest coverage and premiums). The number in each plan (such as 4850) designates the deductible.

HMO Plans

HMO plans only cover providers that are inside the network. For example, the Humana Bronze 4850 HMO plan costs you a 20 percent co-insurance on both inpatient and outpatient care. And the Humana Bronze 6300 HMO-HDHP plan provides inpatient and outpatient services for mental health and substance abuse at no charge.

Higher up, you have the Humana Silver 4600 HMO plan. It covers in-network facilities and professionals with a 20 percent co-insurance to you for both inpatient and outpatient care.

With the Humana Gold 2500 HMO plan, expect to pay a 20 percent co-insurance for inpatient and outpatient care while the Humana Platinum 0 HMO plan has a $0 individual and family deductible. For inpatient and outpatient care, you are required to pay a 20 percent co-insurance.

Last, but not least, is the Humana Basic 6600 HMO plan. With this plan, you have no charge for inpatient and outpatient treatment when you go to providers in the network. Consider pre-authorization for any of these plans to get more coverage.

PPO And POS Plans

There are an array of PPO and POS plans with Humana which have lower costs if you stay in the network, but which allow you to get care outside the network. For example, the Humana Basic 6600 PPO-HDHP plan covers you with no charge for in-network inpatient and outpatient care. Outside the network, the cost is a 25 percent co-insurance.

The Humana Bronze 6300 PPO-HDHP plan also has no charge for the in-network inpatient and outpatient care and a 25 percent co-insurance for services outside the network. Another choice is the Humana Bronze 4850 PPO plan, which requires a 20 percent co-insurance within the network or a 40 percent co-insurance outside the network for both inpatient and outpatient care.

The Humana Silver 4250 plan requires a 20 percent co-insurance for providers in the network or a 40 percent one for those outside the network. Meanwhile, the Humana Silver 3650 PPO plan, which benefits you for staying in the network with no charge for inpatient and outpatient services. It offers the same out-of-network care costs a 25 percent co-insurance.

The Humana Gold 2500 plan covers these types of care for a 20 percent co-insurance with a network provider or a 40 percent co-insurance with a non-network provider. For people with more disposable income, the Humana Platinum 1000 PPO plan is a good choice. It charges a 20 percent co-insurance in the network and a 40 percent one outside the network. Pre-authorization with any of the above-mentioned plans helps keep your costs down.

Keep Costs Down With Insurance

Overall, an insurance plan can help you manage the cost of treatment, especially if you stay within the plan network. This help could be the answer to getting the treatment you require. Please contact us at RehabCenter.net if you have any more questions. We can help you sort through your plans and find one that work the best for you.

Legal Requirements for Substance Use Treatment

The Affordable Care Act requires that insurance companies, particularly for insurance plans available on the insurance marketplace, provide coverage for essential health concerns. Substance use disorders fall under this definition, which means that insurance companies have to cover substance abuse services like outpatient therapy, detox, and rehab. Your insurance also cannot place restrictions on your access to these services beyond what they require for standard medical services.

For example, if your insurance only requires you to pay 20 percent of your costs for inpatient treatment for heart disease or diabetes, it cannot force you to pay more for inpatient treatment at preferred, in-network rehab centers. There are exceptions to this rule, but the law provides for a far greater degree of equity than people might have had years ago.

Plan Types

Blue Cross Blue Shield of Texas offers three types of health care plans for individuals, families, and businesses: Bronze, Silver, and Gold. The Bronze plan requires the lowest premiums, but the coverage is only 60 percent for most services. People with the Bronze plan must pay 40 percent for out-of-pocket costs. The Silver plan splits the insurance/patient out-of-pocket burden to 70/30. The Gold plan, with the highest premiums, covers 80 percent of services, with 20 percent paid by patients.

Each plan level has two types that affect the services that are available to you and your expected expenses. They are called Blue Advantage and Blue Advantage Plus. Blue Advantage Plus may cost more for you in premiums, but it also offers some out-of-network benefits. Although BCBS allows you to select from a wide range of providers in its network, you may need the Blue Advantage Plus program if you wish to see a doctor outside the network for substance abuse treatment.

Preventive Services

Under the ACA, preventive services must be covered without a co-insurance payment. BCBS of Texas notes that this includes certain substance-use concerns, such as smoking or alcohol use. However, you can only receive these services without a co-insurance payment if you see a doctor within your health plan network. Some BCBS insurance plans are not required to offer this service, so you should examine the terms of your specific plan.

Inpatient And Outpatient Treatment

The size of your local health plan network varies depending on your plan and your location within the state. For example, the 24/7 Nurseline allows you to talk to a registered nurse about your need for detox, rehab, outpatient therapy, or other services. Everyone has a different experience and unique needs in treatment. As such, it is important to ask your care provider for a recommendation to services in your area that will work best for you.

Mental health is finally losing the stigma that made it so much harder for people to get treatment for substance abuse problems. To learn more about Blue Cross and Blue Shield of Texas and how it can help you in your quest for sobriety, please contact us at RehabCenter.net.

Treating an addiction to drugs or alcohol impacts the entire family and seeking professional treatment in an appropriate program allows the individual to start making positive changes. In Texas, Cigna policies offer a variety of options to help a loved one focus on long-term goals in a safe and healthy environment.

Cigna Policies In Texas

Texas policies from Cigna offer several options to help with recovery goals and healthcare needs. The Cigna policies offer basic coverage, comprehensive solutions, and extensive coverage based on personal needs or the concerns of the family.

Bronze policies usually cover mental health and substance abuse, but only after an individual pays the deductible and complies with the policy. Expect a higher deductible and maximum out-of-pocket expense when compared to other policy options in Texas. Bronze policies have a higher co-payment or co-insurance rate, such as paying only 60 percent of the treatment costs.

More extensive policies, like Silver and Gold policies, offer lower out-of-pocket expenses and more comprehensive coverage. For example, a Silver policy from Cigna in Texas will usually offer a moderate deductible and co-payment rate for less out-of-pocket costs. Gold policies usually have the lowest deductible and out-of-pocket costs, but it also has the highest monthly rates. Co-insurance rates vary based on the policy and the details of the plan, but usually cover a stated percentage, like 60 to 80 percent of the costs of treatment.

Selecting Treatment For Addiction

Substance abuse and mental health treatments depend on several factors, including personal needs and the situation. Since Cigna policies in Texas usually cover treatment for addiction or a mental health disorder, the best treatment program depends on personal plans and concerns.

Generally, the policy offers a starting place when selecting a treatment program. Opt for an in-network facility, especially when a Bronze policy sets limitations on out-of-network treatment options. In most cases, out-of-network treatment costs more because it requires a higher deductible and covers a lower amount of the treatment expenses. Use the policy to evaluate treatment programs and focus on in-network facilities.

Evaluate the treatment options and comply with any standards in the policy. Cigna policies in Texas usually cover evidence-based treatments and traditional treatments for substance abuse. For example, a cognitive-behavioral therapy program is usually covered for addiction recovery. Holistic treatments or alternative therapies are not always covered by the policy. An example of treatments that the policy does not always cover is massage therapy or acupuncture. While it might provide some positive benefits, the policy generally considered the treatment elective or unnecessary for long-term goals and health.

Opt for treatment programs that take an evidence-based approach and offer holistic treatment solutions. A holistic program focuses on providing appropriate treatments based on the needs of the individual, so it evaluates every aspect of recovery and creates a personalized treatment plan that includes traditional treatments, counseling and evidence-based treatments. It also focuses on improving personal health and well-being based on any physical, emotional or mental health concerns that arise from substance abuse.

Finding Treatment For Addiction

Texas offers a variety of options to help with long-term recovery goals and treatment needs. By working with a Cigna insurance policy, individuals can evaluate and compare different programs based on their budget and goals. For more details about treatment options in Texas or to learn more about Cigna policies, use the tools at RehabCenter.net today.

Seeking treatment for substance abuse in an appropriate rehab facility in Texas requires the right type of insurance policy and Aetna offers several different coverage options. These policies help with long-term goals, allow individuals to seek solutions for substance abuse and mental health disorders, and relieve their financial concerns.

Insurance Coverage Options

Aetna offers several insurance policies that allow Texas residents to focus on their recovery goals. They range from simple Bronze policies that cover most emergencies and complications to Gold policies that help with long-term complications and concerns.

In most policies, an individual must pay the deductible before most of the policies pay for treatments. Individuals also pay a co-payment or co-insurance based on the treatment program. Although certain treatments like acupuncture or holistic therapies are not always covered, most treatment programs for substance abuse are covered by Aetna policies in Texas.

Exact coverage depends on the specific type of policy purchased, but Aetna offers coverage for mental health and substance use disorders as part a treatment program. In most cases, the policy pays for a portion of the treatment expenses or pays for most of the costs.

Considerations For Treatment

Although Aetna policies usually help with the costs of addiction recovery or mental health disorders, some policies pay a larger portion of the costs in an out-patient treatment program than in an in-patient treatment plan. The exact details and expenses vary, so evaluate the plan and any limitations in the policy before starting a treatment program. Most will usually cover the cost of behavioral therapies, counseling services, or medical treatments related to substance abuse.

Selecting The Right Insurance Policy

The best insurance policy for you will depend on the situation and the financial costs of your treatment. Since Aetna coverage doesn’t always pay the full cost of treatment after a deductible, take the time to compare different options before finalizing a plan. A Bronze policy from Aetna in Texas usually covers less than Gold or Silver policies. Policies usually require that individuals pay the deductible, co-insurance, and co-payment.

Since insurance plays a key role in selecting a treatment program in Texas, individuals must recognize the limitations in their policy. Aetna does offer coverage for mental health disorders and substance abuse, but it also sets limitations on the exact details and each policy differs in the specific coverage amount. To learn more about these limitations, please contact us at rehabcenter.net.

Treating an addiction to drugs or alcohol in Texas requires choosing the best type of insurance policy. Texas United Healthcare policies provide the chance to work on underlying mental health disorders or physical illnesses that contribute to substance abuse. Furthermore, insurance helps individuals find the right treatment plan for an addiction and work on recovering from substance abuse.

Plans From United Healthcare In Texas

United Healthcare offers a variety of plans and treatment options in Texas. The plans depend on several factors, including the number of individuals in the family and the health coverage that a family or individual prefers.

A basic Bronze EPO policy from United Healthcare in Texas offers coverage for most health concerns and problems. The policy sets a clear deductible amount that individuals must pay before other health coverage or services apply to their account. After paying the deductible, many services do not require further payment. Individuals only pay the co-payment for specific services with appropriate medical professionals.

A Silver EPO policy offers slightly more coverage when compared to a basic policy; however, it also has similar details to a Bronze EPO policy. An individual or family must pay the deductible before the insurance provider pays for additional treatments. After paying the deductible, many health services and mental health services are covered in full. However, individuals must still pay for any co-payments.

Gold EPO policies from United Healthcare in Texas provide more comprehensive services, in general, for healthcare and rehab. The exact co-payment amounts vary, but individuals must pay their deductible before further treatments are covered. Generally, the deductible on a Gold policy is lower than the that of a Bronze or Silver policy.

In Texas, United Healthcare offers a variety of EPO policies and options. It allows individuals to find the right plan for their family without wasting time on unnecessary budgeting or difficult payment options.

Coverage For Mental Health And Addiction

The exact coverage for mental health and addiction in any United Healthcare policy depends on the plan details. In general, the policies in Texas offer coverage for mental health services or substance abuse recovery; however, the exact requirements for treatment vary.

In most cases, the coverage applies after paying for the deductible. The exact deductible varies for each policy, so individuals must evaluate their plan before starting treatment.

Some policies require a referral from a primary care doctor before services apply to the treatment. Make sure to read the details of the policy before assuming that coverage applies to a specific treatment program. The policy might also limit the options based on the treatment facility and the network standards. Generally, a treatment provider in the network is covered in full after an individual pays the deductible. Some policies set a co-payment for services.

Treating An Addiction

United Healthcare in Texas offers coverage to pay for mental health disorders, substance abuse, or co-occurring disorders. The exact cost of treatment depends on the policy; however, most EPO policies pay for most or all of the treatment expenses after paying the deductible. Furthermore, the coverage offers solutions for in-patient treatment and out-patient treatment based on the needs of the individual.

Mental health coverage applies to substance abuse disorders and co-occurring disorders, so individuals can seek treatment in a residential program to help with long-term goals. Pay attention to the specific details of the policy before seeking treatment to comply with limitations and network standards. You should also ensure that the treatment program is covered in its full duration. Some policies set limitations on treatment duration, particularly when seeking in-patient treatment.

Treating an addiction to drugs or alcohol requires appropriate programs. By working with an insurance provider, individuals in Texas have the tools to reach their personal goals and focus on improving their health. The United Healthcare policies in Texas allow individuals to seek treatment for substance abuse or mental health disorders without facing financial challenges due to the costs. The details in the policy vary based on the type of plan and the coverage.

If you’re in the grip of heroin addiction in Texas, you need more than just safe withdrawal — you need the intensive medically-supervised care only inpatient drug rehab programs can provide. Fortunately, you can get the help you need in several of the Lone Star state’s rehab facilities.

A Clear And Present Danger in Texas and Nationwide

Heroin is a derivative of another highly addictive substance, morphine, and in fact it transforms back into morphine in the body once injected, snorted or smoked. It stimulates opioid receptors in the brain associated with feelings of pleasure and reward, acting very quickly to produce euphoria. Unfortunately, this same pleasurable experience quickly becomes deadly as the user becomes dependent on increasing amounts, not only to get high but to avoid agonizing withdrawal symptoms. It is all too easy for a given dose to cause death as tolerance to the drug rises.

Texas clearly has a collective heroin problem among its other addiction related woes. According to the latest available records, 5,869 Texans aged 12 or older were admitted for treatment for heroin addiction, while 3,552 others required treatment for addiction to non-heroin opiate drugs. This represents a disturbing national trend in which 681,000 Americans were reported as using heroin within the past year — up from 404,000 15 years ago.

The Value of Inpatient Heroin Addiction Treatment

Inpatient treatment is usually the safest and most effective option from breaking a severe heroin addiction. While some individuals might be “functional,” having retained a degree of control over their lives and decisions, others have fallen completely under the spell of the drug and cannot even miss a single dose without risking serious withdrawal. Safe, complete detoxification must be performed gradually, under supervised conditions and often with the aid of drugs such as Suboxone that quiet the craving for heroin without substituting an equally addictive high.

Intensive counseling, therapy, and lifestyle modification strategies are also instrumental in re-training your brain and instincts so you can avoid known abuse triggers and restructure a more positive future for yourself. The inpatient environment shelters you from the outside world while you reconfigure your life, while also ensuring that trained professionals are always on hand to monitor your progress.

Get Into Inpatient Rehab and Off Heroin

Inpatient treatment can save your life and restore it to its former quality, but only if you seek this treatment out and commit to it. Contact us at RehabCenter.net to learn more about how to find the perfect Texas inpatient drug rehab clinic for your situation. A healthy, satisfying life without heroin is waiting for you — so grab it!