Bright Health’s Addiction Treatment Coverage

Some people may rethink getting addiction treatment because of the cost, but imagine how much more it can cost you if you do not receive the help you need. Fortunately, you do not have to deal with the payments alone. Many insurances help cover the cost of treatment which can give you one less thing to worry about. You can look into what treatment programs interest you or look at the different insurance websites to see what facilities they recommend. In Oklahoma, patients can obtain coverage from Bright Health, find out what is offered.

Bright Health is consumer-focused insurance, as well as a technology company. It aims to make healthcare simple, affordable, and accessible to their clients. Bright Health works alongside their health providers to give their clients the attention they need. This approach provides clients with a wider selection of doctors, hospitals, and clinics to choose from. The three tiers of coverage Gold, Silver, and Bronze, all include substance abuse treatment coverage, Although, a copay, coinsurance, or deductible may apply depending on each tier. 

For an outpatient program with a network provider, clients can expect to have a copay of $50 per visit. With any additional outpatient service, they may need 20 percent coinsurance. For clients interested in using a non-network provider, they may need a 50 percent coinsurance. Inpatient services with a network provider may require a 20 percent coinsurance or 50 percent with a non-network provider.

Covering your treatment expenses does not have to be the thing that stops you from your recovery. If it is not through private insurance, there are many more options for you. For help or any questions you may have, please call us at 405-583-4309. 

More Options Available

According to the U.S. Census, about 27.5 million people did not have health insurance in 2018. Some people may believe they cannot afford insurance but other options are available. For those who do not have the means for healthcare, the U.S. federal provides healthcare plans to assist people. Medicare and Medicaid both aim to help people who otherwise would not afford or have access to healthcare. Many people do not know the difference between the two, here is more information on both. 

Information on Medicare 

Medicare is known for providing assistance to people in the age group of 65 and older. Although they may also cover people younger who have disabilities or certain health conditions. It can assist with substance abuse treatment although it does not have a benefit category for it. Coverage for the treatment is approved if the person severely needs it. Both inpatient and outpatient may be covered depending on the severity and necessity. Medicare splits up specific services into four parts. Part A covers hospital insurance, Part B is for medical, Part D covers prescription drugs, and Part C combines a bit of all. 

Information on Medicaid 

Medicaid provides assistance for a wider demographic. For example, it can cover pregnant women, children, and people with disabilities. It is meant to help people of all ages with low income and who need healthcare but may not have it available elsewhere. Medicaid covers substance abuse treatment for both drug and alcohol addiction. Treatments include outpatient, residential programs, and other services. 

For those in search of other options, many facilities may offer payment assistance or services on a sliding fee scale. For more information on coverage and facilities, each insurance website may have a behavioral and mental health section you can take a look at. 

Get the Right Coverage for You

Whether you have private insurance or nothing at all, it is a good idea to know all your options. Paying for treatment is an important thing to consider but it should not be an obstacle preventing you from getting better. With your health and life at risk, treatment is worth the cost but you do not have to pay all on your own. Insurances, like Bright Health, along with Medicare and Medicaid can be just what you need. 

Bright Health provides people in Oklahoma with simple and affordable insurance. They work closely with their care partners and provider to give clients a wide selection of options. Clients can choose between numerous doctors, hospitals, and clinics. Substance abuse treatment coverage is provided under their Gold, Silver, and Bronze tiers. Additionally, copays, coinsurance, or deductibles may apply determined by the services and tiers. 

People who may not otherwise have the means for healthcare may receive coverage by Medicare or Medicaid. Medicare focuses on adults ages 65 and up and may only cover treatment for severe cases.  Medicaid covers low-income people of all ages who need healthcare and can cover the treatment. 

No matter what you decide on, the right option is out there for you. To learn more please call us at 405-583-4309. We are here to help.