The facts are clear that it is easier to overcome addiction with the assistance of a treatment program. However, a person suffering from an addiction may find it difficult to pay for drug and alcohol rehab treatment. If you have been trying to figure out how to cover the cost of addiction treatment, perhaps, obtaining a reliable health insurance plan could help you with this task. One particular insurance provider that offers quality plans dedicated to addiction treatment is Optima Health Plan. This company understands how important this type of coverage is to people living with an addiction.
Facts about Optima Health Plans
Optima Health is based out of Virginia. They offer individual and employer-sponsored health plans and services to many people around the area. In addition, the company has a strong network that includes around 25,000 providers. They even offer plans which allow a person to obtain out-of-network treatment.
Oxford Health Plan has family and individual plans are called OptimalFit plans; their employer-sponsored plans are Optima Vantage (HMO), Optima Plus (PPO), and Optima POS plans. All Optima Health Plans fall under a few basic categories, so you have the option to choose one of the following:
- PPO – These plans give patients the ability to choose an out-of-network treatment provider. However, if you choose one of these plans, there might be an additional fee for using your desired treatment facility.
- HMO – These plans provide quality, affordable medical services. However, you will be required to use a provider with the Optima Health rehab network.
- POS – These plans merge the two other types of plans and may offer the best out-of-network benefits.
If you are interested in obtaining insurance for addiction treatment, it is best to speak with an Optima Health Plan insurance agent to get information regarding all of their plans before deciding on a particular plan.
Optima Health Plan Rehab Coverage
Inpatient rehab is generally the second step of recovery. It occurs when a person finishes with the detox process of recovery. Inpatient rehab provides a person with emotional and medical support. However, it can be expensive, so many people ask this question, “Does Optima Health Plan pay for drug rehab?”.
Generally, Optima Health Plan rehab insurance and Optima Health Plan mental health insurance will cover between 5 and 30% of an inpatient rehab treatment program after a person has met their deductible. However, they may also offer a few plans which could pay the full amount of treatment. It is important to ask an insurance agent about OptimaFit Catastrophic Plan, Optima Health Plan mental health coverage, and Optima Health Plan addiction treatment coverage before choosing your plan.
Our insurance verification team works quickly to verify your insurance benefits to place you into one of our centers as soon as possible. Because of our industry expertise, we will be able to verify this information quickly and advocate for more coverage or more time in treatment. We strive to do this as quickly as possible while also maximizing your coverage. Our insurance verification process is of no cost to you, and there are absolutely no obligations.
Optima Health Plan Outpatient Rehab
Optima Health plans may cover outpatient addiction treatment, which is often the best option for people trying to overcome a drug or alcohol addiction. Generally, if you have an individual plan, the copay for this type of coverage will be between $10 and $40, or you might have a coinsurance cost of about 5 to 20%. The overall amount the insurance company will pay varies on the type of plan you obtain from them. It is important to remember many plans also require you to pay a deductible, as well.
Living with an addiction can be stressful. Overcoming an addiction can be overwhelming. However, if you are struggling with a drug or alcohol addiction, you can get through it. Today is a great day to start down the road to recovery. Go ahead and contact an addiction treatment center now and get the help you deserve.
Sunshine Behavioral Health strives to help people who are facing substance abuse, addiction, mental health disorders, or a combination of these conditions. It does this by providing compassionate care and evidence-based content that addresses health, treatment, and recovery.
Licensed medical professionals review material we publish on our site. The material is not a substitute for qualified medical diagnoses, treatment, or advice. It should not be used to replace the suggestions of your personal physician or other health care professionals.