Blue Cross Blue Shield’s Addiction Coverage
Understanding the options you have for insurance will greatly influence your treatment journey. Not only will you have the ability to get treatment at the most convenient price, but you will also be able to quickly find the treatment options that will work for you. A coverage option that may work for you in Savannah, GA is the Blue Cross Blue Shield of Georgia. Depending on your select plan, there will be additional tiers of coverage that will determine your expenses, and whether or not there will be co-pays or deductibles. One of the plans under Blue Cross Blue Shield of Georgia is the Anthem Pathway Guided Access HMO plan. The Pathway plan has three tiers: Bronze, Silver, and Gold. Each tier of the plan offers addiction coverage. However, each tier includes potentially applicable co-pays and deductibles.
HMO and PPO plans
Next, it will help to understand how to compare a HMO and PPO plan. Most of the plans offered under Blue Cross Blue Shield are HMO plans. Health Maintenance Organization (HMO) plans are cost-effective treatment plans. HMO plans require the individual to receive services from a Primary Care Physician (PCP). The PCP is in charge of designating which services the individual may receive. The PCP must first write a referral for the individual to receive additional services. The patient will only be referred to in-network providers. HMO plans will only cover in-network care, with the exception of emergency services.
The alternative to HMO’s are PPO plans.
PPO plans, or preferred provider organization,s typically come at a higher cost than HMO’s. However, the PPO plan offers a flexibility that HMO plans do not. The PPO plans allow the individual to receive care without having to first see a PCP. More so, the PPO plan allows individuals to have their services covered by a provider that is not in-network once a claim has been filed.
Other Options Available
In order to find the best addiction care for you or a loved one, treatment should be specialized. You may explore your treatment options and find yourself at a loss, wondering whether or not your provider covers the treatment you need. You don’t have to wonder alone. Call 912-214-3867 today and we can walk through your coverage plan with you. Insurance plans include specialty lingo that can get confusing. We’re here to sort it all out for you.
A very important place to look when trying to break down your insurance plan is your provider’s website. The website will typically have information on its services for addiction on the mental health page. Additionally, if you are wondering about a specific treatment center or which facilities accept your plan in general, you will be able to find that information on the website.
If you come to find that your treatment, or a select facility isn’t covered, you have options. Both Medicare and Medicaid offer coverage for addiction in Georgia. More so, many facilities throughout the state accept both. Medicare does not specifically state what type of addiction treatment it covers. However, Medicare states that addiction will be covered only if it is severe and treatments have been deemed to be necessary. They cover all types of services.
Additionally, Medicaid in the state of Georgia can cover both drug and alcohol addiction. Services covered can include both in-patient and out-patient treatment. If you come to find that neither Blue Cross Blue Shield nor Medicare/Medicaid fit your needs, you still have options. Many treatment facilities in Georgia offer programs to help patients pay for treatment. These programs can include a payment plan or sliding scale fees, so no matter what, you can receive treatment.
You CAN Treat Your Addiction
It is important to remember that, one of the most important factors when exploring your treatment options is understanding your coverage. Understanding your coverage goes a long way in ensuring you receive the best care for you without being hit with fees that could have otherwise been avoided. Call 912-214-3867 and make sure that doesn’t happen to you. Our experts are available to go through your coverage options with you and make sure that there are no surprises. Remember, most of the plans offered with Blue Cross Blue Shield are HMO plans. HMO plans can limit where you receive treatment but there are additional options.
There are a multitude of treatment centers thoroughout the state of Georgia that accept both Medicare and Medicaid while also offering payment assistance. No matter your needs, you can receive the treatment that will bring you to recovery. Payment is a burdensome, but necessary part of finding treatment. We can make it so that dealing with payment is as easy as it possibly can be for you. When dealing with addiction, the most important part of the process is treatment. Let us answer any of your questions about addiction, recovery, treatment centers, and coverage so that you can heal.