GETTING HELP WITH SELECTHEALTH
While weighing your treatment options, you may be wondering how much this will all add up to. While, ideally, we would love to see our loved ones treated no matter the cost that is simply not practical for everyone. If you are seeking treatment in Salt Lake City, UT, and are covered by SelectHealth, here are a few things to know. Your plan determines whether or not treatment will be covered and if there will be fees. For instance, if you are covered by the Health Save plan, each tier of the plan (Bronze, Silver, and Gold) will cover drug treatment. However, depending on the respective tier, you may still have a deductible or co-pay. More so, with Benchmark plans, which are the more affordable option, your essential health services will be covered, but addiction services may not be.
The Different Coverage Plans
There are a few more options available for you. Both no-deductible plans and limited office visit waivers are available. Both of these options offer drug treatment coverage with potential co-pays. The next thing to know is that there are both HMO (Health Maintenance Organizations) and PPO (Preferred Provider Organizations). HMO plans are more affordable than PPO plan’s because PPO plan has a higher level of flexibility. Before seeking treatment with an HMO plan an individual must receive a referral from a primary care physician (PCP). At times an HMO can be limiting because the PCP will only recommend in-network providers and out-of-network providers will not be covered. PPO plans can cover out-of-network providers, but you will have to file a claim in order to be reimbursed. However, the PPO plan does not require a referral for any service. Each plan has its own benefits, and it is important to select the one that will best work for your course of treatment.
ALTERNATIVE COVERAGE OPTIONS
EXPLORING YOUR OPTIONS
Although there are a few options for coverage under SelectHealth, Utah offers many other options for treatment as well. There are so many terms and things to know when it comes to coverage options for treatment. Please do not feel discouraged if this seems to be a lot to take in. We can assist you at 385-327-7418 with any coverage questions you may have. Exploring your coverage options can be a confusing thing, but it doesn’t have to be. There are multiple coverage plans for you in Utah. Addiction treatment is typically covered by Medicare, especially when the addiction is severe and necessary for the individual. When considering the coverage options available to you, you will have to read the fine print to make sure you can cover the treatment you select. We can assist and go through all of the jargon for you, simply reach out.
WHERE TO LOOK FOR COVERAGE
You may also be wondering if these are your only options. While Medicare and Medicaid can cover most treatments in Utah (including In-patient and Out-patient, with respect to the individual’s needs) some facilities additionally offer payment assistance and payment on a sliding fee scale. When considering your coverage options you will want to look to the mental health section of your plan. Usually, the details of whether or not drug treatment is covered can be found there. More so, if you have questions about whether or not a certain facility is covered by your provider you will want to check your provider’s website. The website should have information on whether or not that facility is a part of their coverage network. If you read through your provider’s information and still have questions, please give us a call. We are here to make all of this information easy for you.
HOW WE CAN HELP
No matter which coverage you have, whether it be SelectHealth, Medicare, or Medicaid, there is an option that will fit your coverage needs. Your coverage option should not dissuade you from seeking treatment. Whether you have an insurance provider or need a payment plan there are several avenues of assistance. Remember, there are both HMO plans and PPO plans available for you. The option you select can help you explore your options for treatment. There may also be tiers to your coverage, and when trying to figure out whether or not your plan covers drug treatment, you will want to pay attention to your specific tier.
We understand that finances and coverage may be the last thing you want to consider when it comes to addiction treatment. Especially when there are likely to be more stressors in your environment, and coverage consideration is only adding to that list. Let us make that load a bit lighter for you. Call 385-327-7418 today and we can talk through your options together. We want to go through the fine print for you and make sure you aren’t hit with any unnecessary fees. Additionally, we can assist with finding the perfect facility for you or a loved one, we are here to help.