Can Peach State Insurance Cover Addiction Care?
In an ideal setting, we would have the ability to get treatment with as minimal a cost to us as possible. While we can’t guarantee you free treatment, knowing your options for treatment can cut your expenses. If you or an individual are seeking treatment in Savannah, GA and are covered by Peach State Insurance, there are a couple of things to know.
These are specific to Peach State:
- Balanced Care
- Levels 1-20, dependent on income
- Balanced split between out of pocket expenses and deductibles
- Addiction coverage available, co-pays may apply
- Essential Care
- Level 1-20, income-based
- Higher out-of-pocket expenses and deductibles, lower premium
- Addiction coverage at every level, co-pays may apply
- Secure Care
- Levels 1-20, income-based
- Lower out-of-pocket expenses and deductibles, higher premium
- Addiction coverage on all levels, co-pays may apply
Knowing the details of your coverage is particularly important in making sure the treatment you need will be available to you at the most convenient cost. Once you are familiar with the in’s & out’s of your plan, you will want to familiarize yourself with HMO and PPO plans.
The first, Preferred Provider Organization (PPO) plans allow an individual to receive treatment from providers that are out of network, without having to receive a referral. The PPO plan can be pricey, however, it allows the individual to receive treatment from a variety of different treatment providers and providers and have the treatment covered once they file their claim.
The Health Maintenance Organization (HMO) plan, is more cost-effective than a PPO. However, HMO plans can limit where one receives treatment. An HMO plan requires a PCP, or Primary Care Physician who must write a referral for a patient to receive additional treatment. Under an HMO only in-network providers will be covered (excluding emergencies), but the individual will not have to file a claim for coverage.
Additional Coverage Options
Although Peach State Insurance offers variety when it comes to addiction coverage, you may find that it doesn’t exactly fit your needs. Additionally, you may find that you need another coverage option altogether. Fortunately, there are additional options available, and we are available to assist in answering any questions you may have about them. Call 912-214-3867, and we can give you more information about your options, and what is available for you in Savannah, GA.
A place where you can find a lot of important information when searching for treatment options is your providers website. The behavioral and mental health section of your providers website should provide information on coverage options, along with co-pays and deductibles that may apply. Additionally, the website is an insightful place to start if you are just beginning to explore your treatment options. The website should provide information on facilities, near you and beyond, that are covered by your plan.
As stated before, there are additional options when it comes to treatment coverage. Perhaps you find that your insurance tier doesn’t cover the exact treatment you need. Both Medicare and Medicaid in Georgia are able to cover addiction treatment. Medicare does not specify the type of addiction treatment it offers. However, when the circumstances make treatment necessary, Medicare offers coverage. Medicare can cover all types of treatment options.
Georgia Medicaid can provide treatment for alcohol and drug dependency. Additionally, Medicaid can cover both in-patient and out-patient treatment, whichever is appropriate for the individual seeking treatment. Additionally, if neither Peach State nor Medicaid/Medicare fit your needs a few more options are available. Several treatment centers throughout Georiga provide programs that help with the cost of treatment. These services can range from a payment plan to sliding scale fees to pay for treatment. It does not matter what you need, there is an option that will cover you.
Know Your Options
Remember, knowing your options when it comes to treatment allows you to get the best care at the best cost. Peach State offers care through three plans that each offer 20 different levels. Understanding your treatment plan gives you a minimal chance of incurring fees that may be hidden inside of insurance jargon. Technical language can be a lot to take in, let us help you decode it. Reach out to us at 912-214-3867 and understand your options. Our experts can help walk you through your plan, and help you understand the options available to you.
Seeking and accepting that treatment is necessary is an intimidating process. Factoring in payment options can seem like just another burden. Call us and we will carry that burden. No matter what type of coverage you have, whether it be Peach State, Medicare, or you need a payment plan, we can assist you. There is a facility out there that will fit your needs no matter your coverage option. Our representatives can find that facility for you. When you let us focus on the fine-print, you will be able to work on recovering.