Are you or a loved one struggling with addiction but can’t afford the care you need? Has a treatment facility ever turned you away because you didn’t have the required addiction insurance coverage? The solution you’ve been looking for can be as simple as signing up for a comprehensive insurance plan during Open Enrollment.
Navigating the health care marketplace and finding an insurance policy that fits your needs can be a confusing and daunting experience. We’re here to help you navigate the tangled world of insurance coverage – everything from deductibles, co pays and other services to the cost of each, and the benefits of using an out-of-network provider.
In order to get the most out of your insurance coverage, you’ll need to choose the right plan. The vast majority of drug and alcohol treatment facilities only accept PPO policies with out-of-network benefits. PPO policies are usually a bit more expensive than HMO plans, however, PPO plans offer a much wider range of service providers and usually include out-of-network coverage for substance abuse.
You’ll also want to select an insurance plan that will provide you the maximum insurance benefit possible. That means selecting a policy with a high tiered ‘metal.’ For example, a platinum insurance plan may cost more than a bronze plan, however, the platinum plan will be accepted at more facilities and with a significantly higher coverage amount.
Important Dates to Remember:
- November 1, 2016: Open Enrollment begins.
- December 15, 2016: Last day to enroll in or change plans for coverage to start January 1, 2017.
- January 1, 2017: 2017 Coverage starts for those who enroll in plans by December 15.
- January 31, 2017: Last day to enroll in or change a 2017 health plan.
There is limited time to obtain a life-saving insurance policy – open enrollment ends December 15th, 2016.
Treatment at Morningside Recovery
By enrolling in an insurance program, you’re taking the first step toward a life of sobriety. The next steps involve beginning treatment in the Morningside Recovery rehab programs and addiction therapy services. Call Morningside Recovery for any additional questions at 855-631-2135.