Blue Cross Blue Shield of Arizona
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Blue Cross Blue Shield of Arizona
Insurance Plan Options
Prior to going to a treatment center it is important to know what your insurance options are. Insurance plays a big role when it comes to finances and the process of receiving treatment. It is important to know how much treatment will be covered and how much will be needed to be paid out of pocket. There are a few different plans available when it comes to Blue Cross Blue Shield of Arizona. Firstly, there is Everyday Health. This insurance plan by Blue Cross Blue Shield is available in all countries. This is perfect for individuals who frequently see the doctor and take generic prescription drugs. Substance abuse treatment may be covered under this plan. However, copays, deductibles, and/or coinsurance may still apply. The True Health plan is another option. This is also available in all countries. True Health offers fixed copays for specialist doctors. This is perfect for individuals with an ongoing health condition. Substance abuse treatment may be covered but copays, deductibles, and/or coinsurance may apply. Lastly, there is the Advance Health option. This plan is available only in Maricopa and Pima counties. Substance abuse treatment may be covered but copays, deductibles, and/or coinsurance may apply.
When choosing a plan it is important to know the difference between HMO plans and PPO plans. One plan may be better for you or a loved one based on needs. HMO plan typically has lower monthly premiums. There is less that is paid out of pocket. With this plan, all healthcare services and referrals are coordinated through your primary care provider. There is no coverage for care from an out-of-network medical provider or hospital. With PPO plans, on the other hand, patients are able to see anyone with no extra costs. However, PPO plans usually have higher monthly premiums and there may be higher fees and a separate deductible. There are drawbacks and benefits to both plans.
Medicaid also covers substance abuse treatment. Medicaid is a federal and state program that helps cover medical costs for people with limited financial resources. Medicaid covers alcohol and drug dependency treatment. Outpatient and residential treatment is covered. Always check your own insurance company’s website for what is covered. Substance abuse treatment coverage can be found under the behavioral and mental health sections of an insurance company’s website. Many treatment centers in the Arizona area offer payment assistance and/or their services on a sliding fee scale.
Always be sure to reach out to your insurance provider for specific information on insurance coverage and treatment options.
Medicare and Medicaid
When figuring out how much treatment will cost it is important to also take Medicare and Medicaid into consideration. Most major cities will accept both when it comes to substance abuse treatment. Although there may not be a category for substance abuse treatment when it comes to Medicare, it is covered. Medicare is health care coverage for those who are 65 years old and older in the United States. As long as the treatment is deemed reasonable and necessary for the individual to receive.
