If you’re an addict in need, then Managed Care Concepts insurance for rehab may help you to get coverage for drug treatment. Detox, outpatient care, and inpatient programs can be expensive, but insurance is becoming increasingly available to addicts and alcoholics. Still, it’s critical that you understand the details regarding group and individual contracts through Managed Care. You’ll need to know as much as possible to get the maximum amount of funding for your recovery.
The Managed Care System
Most groups and individuals now contract for insurance through managed care companies. These organizations help customers to get low-cost healthcare by coordinating specific networks of hospitals, general physicians, specialists, and other healthcare providers. As long as people seek care from providers within their networks, they can typically get partial or full coverage for necessary procedures.
Contracting through Your Employer
Most large companies contract for insurance through preferred provider organizations. PPOs can be expensive, but they also offer the largest and most diverse networks. This is excellent for addicts, since smaller networks don’t always contain the necessary facilities and specialists for drug rehab.
Even if you don’t have rehab services in your preferred network, you may be able to get a great deal of coverage for out-of-network care. Most PPOs provide at least some funding in these cases, and many states actually require them to provide fifty, sixty, or even seventy percent of the costs. To find out exactly how much coverage you can expect, you’ll need to speak with representatives from your human resources department and employee assistance program.
Coverage for the Self-Employed
Getting coverage through Managed Care Concepts insurance for rehab can be more difficult if you’re self-employed. The Mental Health Parity Act helps employees to get equal access to medical and mental health services, but it does not apply to individual contractees.
Fortunately, there are a still a variety of ways you can get adequate funding on your own. For instance, the Consolidated Omnibus Budget Reconciliation Act – COBRA – may require that your previous employer extend your healthcare benefits for up to eighteen months. If you’re married, you might also be able to get full benefits from your spouses’ benefits package.
If you’re on your own and not currently covered, there are also state-run, “high-risk” insurance pools. These help people with pre-existing conditions to get affordable healthcare. Additionally, you may be able to get a large tax deduction if you’re contracting for insurance by yourself.
The Available Treatment Plans
Ultimately, the level of coverage you can get may determine the type of treatment program you’re able to attend. At most rehab clinics, the primary plans include:
- Inpatient Treatment: Inpatient rehab is the most expensive program, but it’s also the most effective for people with severe addictions. Patients live full-time at their clinics, and they attend a variety of classes and therapies each day.
- Day and Night Programs: Also called partial hospitalization, these programs also involve eight to ten hours of therapy per day. However, attendees are allowed to return to their homes under the nighttime supervision of clinic staff members.
- Outpatient Rehab: Outpatients attend part-time therapies a few days per week. However, they receive the same types of counseling and support as inpatients.
Even if you learn as much as possible about Managed Care Concepts insurance for rehab, it can still be difficult to understand your options. For additional help, fill out the insurance verification form below. No matter how much you’re struggling now, there is an affordable program that can help you get back on your feet.