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WHO NEEDS REHAB?
Oscar insurance provides three different levels of insurance plans to choose from. There is the Oscar Simple, Oscar Class, and the Oscar Saver. The Oscar Simple offers three tiers of coverage. It has the most out of pocket expenses of the Oscar insurance plans. However, it may have the lowest monthly premiums. Oscar Classic is the second insurance plan. This plan has three tiers of coverage. In terms of out-of-pocket expenses and monthly premiums, this plan is in the middle ground between the other two. Lastly, there is the Oscar Saver plan. This plan has high deductibles but better coverage once the deductible has been met. There are also three tiers for this plan. Tiers for all plans are Bronze, Silver, and Gold. Substance abuse treatment is covered under all Oscar insurance plans, however, copays, deductibles, and/or coinsurance may apply.
PPO and HMO plans
When deciding on an insurance plan distinguish if it is an HMO or a PPO plan. There are a few differences between the two. The biggest difference between the two is the ability to seek care in or out-of-network. With an HMO plan, patients are able to receive care covered by the insurance company as long as the medical provider is within the HMO network. However, with a PPO plan, patients can receive care that is covered even if the medical provider is out-of-network. HMO plans tend to have lower monthly premiums and less out-of-pocket fees. PPO plans however tend to have higher monthly premiums and more out-of-pocket costs.
Choosing an insurance plan is an important decision. It is best to speak with an insurance advisor. They will be able to go over plans and help you find the best fit for your situation. Whether that means a PPO plan or an HMO one or understanding your Medicaid coverage better.
Medicare and Arizona Medicaid
When it comes to Medicare and Medicaid it is important to know what will qualify you for Medicare or Medicaid. Medicare is a national health insurance program. It covers the cost of treatment at hospitals and subsides the cost of a wide range of medical services. Medicare was made to help the elderly with hospital, medical, and health costs. Therefore, it is designed for individuals who are 65 years old and above. Substance abuse is covered under Medicare when it is reasonable and necessary. This includes inpatient and outpatient treatment programs.
Medicaid, on the other hand, provides health coverage for those that are low-income adults, children, pregnant women, or elderly. Medicaid is administered by the states. Arizona Medicaid covers substance abuse treatment for adults with alcohol or drug dependency issues. This includes outpatient and residential services. For more information on substance, abuse coverage be sure to check out the behavioral and mental health sections of insurance company websites.
Many treatment centers in Arizona offer payment assistance for those who have financial issues. Treatment centers also offer services on a sliding fee scale. There are many options when it comes to financial help.
Call 623-263-7371 today to find out how we can help you find a rehab facility near you.