Addiction Treatment Coverage by Medica Health
Seeking addiction treatment and finding the right program might be a challenge on its own, paying for it with Medica Health isn’t. While some people may have the resource to pay for treatment others might not. However, payment should not be another worry for you, other possibilities can assist with that part. Medica Health is an insurance available in Oklahoma. It is a non-profit healthcare plan that values their customers that strives to give them affordable and excellent healthcare. Medica has the option of two plans, Harmony by Medica and Medica Quest, that might give you what you need.
Harmony by Medica
With Harmony people, Medica provides clients with lower monthly premiums. Although, with lower costs, it does limit the counties and areas in Oklahoma where it is available. Clients may receive more than 1,000 care providers, 10 clinics, and 20 hospitals to choose from. Substance abuse treatment may be covered under its three plan tiers. These tiers are Gold, Silver, and Bronze. Copays, coinsurance, and deductibles may apply.
Clients who choose Medica Quest may receive coverage in most Oklahoma cities. Although the monthly premium might be higher, clients receive a larger coverage. Quest provides clients with more than 11,000 care providers, 44 clinics, and 130 hospitals. Substance abuse treatment is also covered under Gold, Silver, and Bronze, with the possibility a copay, coinsurance, or deductible may apply.
If Medica Health’s plans are not right for you, alternative options might be more fitting. No matter what option you choose, what matters is getting the help you need. For questions on anything related to substance abuse treatment, give us a call at 405-583-4309. You can also visit the specific insurance websites that interest you for more information.
Medicaid Coverage Information
Medicaid’s coverage is meant to assist most low-income people who may need healthcare. This includes children, pregnant women, and people with disabilities. Substance abuse treatment may be covered by Medicaid for drug and alcohol addictions. Clients can attend outpatient and residential programs, along with other services.
In addition to Medicare and Medicaid, facilities in many Oklahoma cities may offer programs that help cover the cost of treatment as well as sliding scale fees. To learn more about insurance and facilities covered by each, you can visit the insurance website and find out what they under their behavioral and mental health section.
Additional Options Available
Many people in the country go each year without having healthcare. It is especially devastating when their health demands it and they cannot afford it or end up with a huge hospital bill. For this reason, U.S. federal healthcare created two healthcare plans to help those who need care but are unable to afford it. While both Medicare and Medicaid exist to help low-income or disadvantaged people, they have a few differences in their coverage. Differences include the demographic they cover and what exactly is covered by each.
Medicare Coverage Information
Medicare’s coverage focuses on adults ages 65 and older but may include younger people with disabilities as well. While substance abuse treatment is not in a specific benefit category, it might be covered when reasonable and necessary. Coverage may include outpatient and inpatient programs for severe addiction when the person is in absolute need of it. The coverage is divided into four parts which clarify what is covered under each.
- Part A: Hospital insurance
- Part B: Medical insurance
- Part C: A combination of A, B, and D.
- Part D: Prescription drugs
The Right Coverage for You
With so many options for treatments, facilities, and insurances, it might get overwhelming. Although having the options makes a big difference than not having them at all. Some people might be able to pay for treatment out of pocket but others may not have the luxury. Money should not have to play a role in deciding whether or not you receive treatment. This is where insurances like Medica Health, Medicare, and Medicaid can step in to help.
Medica Health offers clients two health plans to give people a choice for their coverage. Under both Harmony by Medica and Medica Quest, clients can receive coverage for substance abuse treatment, the main differences being in the monthly premiums and selection available. Under each tier for both plans, the client may have to provide a copay, coinsurance, or deductible. For Medicare and Medicaid, clients can also receive treatment coverage, although for Medicare it must be in severe cases and a necessity.
Whether you choose to enroll in one of the Medica plans or prefer the alternatives, what matters is finding the right options for you. For more information, do not hesitate to give us a call at 405-583-4309. We’re here for you.