Addiction Coverage with Kaiser Insurance

Perusing your coverage options can get tedious when looking for addiction treatment. However, understanding your coverage when it comes to addiction treatment can save you money in the long run. One of the insurance providers available in Savannah, GA is Kaiser Insurance.

For additional information about this life-changing opportunity, call (912)662-0956 to talk to a knowledgeable and compassionate recovery rehab addiction expert.

Kaiser’s plans are as follows:

KP GA Plan

    • Combined medical and pharmacy deductible.
    • Services are paid out-of-pocket, until deductible is met.
    • Preventative care offered at no charge.
    • Mental health coverage includes addiction treatment, when services are available.

 

KP GA HSA Plan

    • Combined medical and pharmacy deductible.
    • Most services subject to deductible.
    • Preventative care offered at no charge.
    • Optional health savings account available.
    • Addiction treatment available under mental health coverage when services are available.

You will want to choose the plan that is going to best fit your needs.

The next thing that will be helpful to understand is the difference between HMO and PPO plans. These are important in understanding which treatment options may be available to you. The first option you have are the PPO, or Preferred Provider Organization plans. PPO plans may not be the most cost-effective, but you are essentially paying for the flexibility they give. This plan allows you to receive services without first having to see a Primary Care Provider (PCP). More so, you are able to receive treatment from out-of-network providers, and have the treatment covered after filing a claim.

The HMO, or Health Maintenance Organization plans, on the other hand are more cost effective than the PPO plans. The HMO does require the individual to see a PCP, and the PCP will only refer the individual to in-network providers. However, the HMO typically doesn’t require the individual to file a claim.

Additional Coverage Options

Keep in mind that if neither of those plans work for you, you have additional options. We can help you go in-depth about your coverage plan, or help you find an alternative coverage option altogether. Call 912-214-3867 and make sure you have the coverage that you need. Insurance language can be tricky and difficult to navigate, but we are here to assist with decoding that language and more. Call today and we can discuss your options together.

Another helpful way to learn more about your coverage is to visit your provider’s website. Your providers website should have information about their addiction coverage under their behavioral and mental health sections. Not to mention, if you are looking for a specific treatment facility or are wondering about which facilities accept your provider in general, the website will likely provide that information. Don’t worry if you can’t find the information you need there as we are available to assist.

More so, you are not exempt from receiving treatment if you are not covered by Kaiser or another insurance provider. Several facilities throughout Georgia accept both Medicaid and Medicare. Medicaid in the state of Georgia can cover both alcohol and drug addiction. Coverage can include both in-patient residential services and outpatient care. Medicare, on the other hand, does not specify their addiction coverage. However, an individual can still have addiction treatment covered under Medicare.

Medicare covers treatment when the addiction is both severe and treatment is deemed necessary. Medicare can provide coverage for both in-patient and out-patient services. More so, if neither of these options provide the coverage you need, many facilities in Savannah, GA and throughout the rest of the state offer payment assistance. Multiple facilities offer payment plans, or services on a sliding fee scale. No matter the type of coverage you need, treatment is available for you.

We Can Help

Navigating insurance plans can be tricky. Making sure you don’t miss something and end up handling a hidden fee is something you shouldn’t have to worry about, especially when you or a loved one is facing addiction. Call 912-214-3867 today and let us read through all of the fine print. Remember, if you are covered under Kaiser in Savannah, GA you are likely covered by the general GA plan, or the GA HSA. Your main concern when selecting a plan should be making sure that it is what will best fit your needs.

Not to mention, facilities in the state of Georgia also accept Medicare and Medicaid. Lastly, your coverage options are not limited to insurance. Many facilities throughout the state offer payment assistance through payment plans and a sliding fee scale. The most important thing to remember is that you can receive treatment. Understanding coverage is just a steppingstone to receive it. When you are able to solely focus on treatment instead of the insurance fine print, you can focus on recovery. Let us focus on coverage for you, our experts can make fancy insurance jargon easy and let you focus on reaching recovery.

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