If you are looking for affordable health insurance plans for drug and alcohol rehabilitation centers, then AmeriHealth Insurance is an excellent choice to consider.
They offer several types of plans that include benefits such as mental health services, substance abuse treatment, and medical transportation as well as a wide range of health plans, from individual policies to group plans.
Their plan also covers a variety of treatments, including addiction counseling, psychiatric care, and detoxification. Their coverage is certainly versatile in the nature of their programs and services offered.
With this in mind, we are going to be looking at exactly what kind of drug and alcohol rehabilitation is offered by AmeriHealth Insurance, as well as a bit of history on the company as a whole. Let’s get started.
What Is AmeriHealth Insurance?
AmeriHealth Insurance is one of the leading providers of health insurance in the US. The company was founded back in 1985 and has grown into a major player in the industry.
It offers many different types of health insurance plans, with a focus on providing quality healthcare at an affordable price.
The company is headquartered in Chicago, Illinois, but they have branches all over the country. They provide both individual and family health insurance plans.
Who Is AmeriHealth Insurance For?
AmeriHealth Insurance is designed for anyone who needs affordable health insurance. Whether it is for yourself or your family members, they can help you find the right plan for your needs.
They offer a wide range of options, from individual plans to small business packages.
They also offer a number of special programs for people who require assistance with paying for their healthcare costs. These include:
- Medicaid Assistance Programs – This program helps low-income individuals pay for their healthcare costs through Medicaid.
- Health Savings Accounts (HSAs) – People can use these accounts to save money towards future medical expenses.
- Medicare Advantage Plans – These plans allow people to receive their healthcare through Medicare instead of having to pay out of pocket.
- Special Needs Plans – This includes plans that cater specifically to children, seniors, and other groups with specific health issues.
How Does AmeriHealth Insurance Work?
When purchasing a health insurance policy, there are two main things you will want to look at. First, you will want to make sure that the plan covers everything that you require.
Second, you will want to ensure that the premiums are affordable enough to fit within your budget.
When choosing a plan, you will want to choose something that fits your lifestyle, as well as your current financial situation. You may not be able to afford the best plan available, so you will want to pick something that works for you.
You should always read the fine print before buying any type of insurance. Make sure you understand how much you will be required to pay each month, as well as what is covered under the plan.
You will want to compare multiple plans before making your final decision. There are many factors that go into determining which plan is best for you, including cost, coverage, and flexibility.
Once you have decided on a plan, you will then need to apply online or call up the customer service line to begin enrolling. If you do not already have a credit card, you will first need to set up a new account.
Once you have enrolled in a plan, you will need to pay your monthly premium. You can either pay by direct debit or by using a credit card. Either way, you will need to give them proof of payment when you renew your plan.
If you decide to cancel your plan, you will need 30 days’ notice before doing so. Otherwise, you will owe a penalty fee.
What Are Some Benefits Of Using AmeriHealth Insurance?
There are several benefits to using AmeriHealth Insurance. First, you will get access to quality care at an affordable price.
Your healthcare provider will be able to see you whenever you need to be seen, regardless of whether you have a pre-existing condition.
Second, you will be able to take advantage of all the discounts that are offered by the company. Discounts can range from 10% off of your prescription drugs to free mammograms.
Third, you will be able to access services like dental and vision care without worrying about high deductibles. When it comes to these types of services, you will only be responsible for paying a small percentage of the bill.
Finally, you will be able to enjoy peace of mind knowing that if you ever become ill, you will still have access to quality healthcare. With AmeriHealth Insurance, you won’t have to worry about losing your job because you cannot afford medical bills.
As long as you are willing to put forth some effort, you can find a plan that meets your needs. By comparing different plans, you can determine which one is right for you.
Once you have found a plan that works for you, you can start signing up today!
Now that we have an idea as to how AmeriHealth Insurance works and what it offers as a company, let’s now take a look at what coverage is offered for drug and alcohol rehabilitation treatment, specifically.
Does AmeriHealth Insurance Cover Addiction Treatment?
Yes, AmeriHealth Insurance does cover addiction treatment. In fact, they offer two separate plans that cater to people who are struggling with addiction. These plans include:
The AmeriHealth Advantage Plan
This plan covers outpatient counseling sessions and residential treatment programs. It also includes partial hospitalization (PHP) and intensive outpatient (IOP) programs.
The AmeriHealth Care Plus Plan
This plan covers PHP, IOP, and Intensive Residential Substance Abuse Programs (IRSAP). It also includes outpatient counseling and medication management.
How Much Does It Cost To Use AmeriHealth Insurance For Addiction Treatment?
The cost of using AmeriHealth insurance depends on which plan you choose. However, the average cost per month is $200-$300. AmeriHealth has two levels of coverage available: basic and comprehensive.
Comprehensive covers up to $5,000 per month for residential care and up to $10,000 per month for outpatient care.
Here is a breakdown of some of the prices (prices correct at the time of writing):
- $0 – $1,999 per month.
- $2,000 – $4,999 per month.
- Over $5,000 per month.
- $0 – Over $3,000 per month
- $3,000 – $6,999 per month
- More than $7,000 per Month
(Be aware that these rates are subject to change).
Both plans cover the following treatments:
- Residential Treatment Programs
- Group Therapy
- Individual Counseling
- Family Support Groups
- 12-Step Meetings
- Alcoholics Anonymous/Narcotics Anonymous
- Transportation to & from the facility
- Rehabilitation Medicine
- Dietary Counseling
- Behavioral Modification
- Medication Management
- Continuing Education Courses
The treatment costs depend on various factors. For example, some insurance plans cover all costs associated with outpatient rehab, while others only cover a portion of these expenses.
Other factors that determine the total amount of money spent include:
- The length of treatment – Longer treatments generally cost more than shorter ones.
- The type of treatment – Inpatient programs tend to cost more than outpatient programs.
- The number of sessions required – More sessions typically mean higher costs.
- The cost of medication management – These services will vary depending on how many different medications a patient takes.
- The location of the facility – Facilities located in rural areas typically charge less than those in urban settings.
- The size of the facility – Small facilities usually cost less than large ones.
What Drug and Alcohol Rehab Treatment is Covered by Amerihealth Insurance?
Let’s take a closer look at exactly what Amerihealth Insurance offers in terms of rehabilitation for alcohol and drug addictions:
This type of program is designed to help patients overcome their addiction through group therapy and individual counseling. The goal of this type of program is to teach patients how to live sober so that they don’t relapse again.
This type is similar to the in-patient version, but it doesn’t require patients to stay overnight. Instead, they are required to attend weekly or biweekly meetings where they learn how to cope with life while living clean.
Partial Hospitalization Program (PHP)
This program allows patients to continue working during their recovery process. Patients spend part of their day in a regular facility, while the rest of the time they are allowed to work from home.
They are given various tools and resources to assist them in their recovery.
Intensive Outpatient Program (IOP)
This program is designed to be used instead of PHP if a patient feels like he/she has made enough progress. During this program, patients attend daily meetings and participate in other activities such as 12-step groups.
This service helps patients manage their medications so that they can avoid relapsing into substance abuse. Medications are prescribed based on the specific needs of each patient.
This service is provided to help patients deal with any emotional issues that may arise throughout their recovery process. Counselors provide support and guidance to patients so that they can make better decisions regarding their lives.
What Types of Addictions are Covered by AmeriHealth Insurance?
There are several types of addictions that are covered under AmeriHealth Insurance. These include:
This condition occurs when an individual drinks too much over a long period of time. This leads to physical problems, including liver damage and cirrhosis. It also causes mental health problems such as depression and anxiety.
This is one of the most dangerous forms of addiction because it involves injecting heroin directly into the bloodstream. This results in severe withdrawal symptoms and overdose.
Cocaine use is very common among teenagers and young adults. However, cocaine addicts often have trouble quitting because they feel addicted even after using the drug just once.
Marijuana is one of the most commonly abused drugs in the United States. Abusing marijuana can cause serious psychological issues such as memory loss and mood swings.
Methamphetamines are highly addictive stimulants that are frequently found mixed with heroin. Meth users experience intense cravings and hallucinations.
Prescription drugs are usually legal substances that doctors prescribe to treat medical conditions. Some people abuse prescription drugs, either intentionally or unintentionally.
Inpatient vs Outpatient Treatment
Outpatient treatment is considered to be the first step towards achieving sobriety. The benefits of this form of therapy include:
- It allows you to avoid having to go through detoxification procedures.
- You will not have to stay at a hospital during your treatment.
- Most insurance companies do not cover the full cost of inpatient care.
- Outpatient rehabilitation centers offer a variety of therapies including group counseling, family support groups, individual counseling, 12-step meetings, and other activities designed to help patients build new skills and cope with their recovery process.
Inpatient treatment is recommended if you need intensive care. You may require 24-hour supervision, special dietary needs, and/or medical monitoring.
Some insurance providers pay for part of the cost of inpatient treatment, but not all of it. Inpatient treatment provides access to a wide array of specialized services.
- Medical staff that specializes in treating substance abusers.
- Psychiatrists who focus on diagnosing mental health disorders.
- Nurses who provide round-the-clock care.
- Social workers who work closely with patients and families.
- Therapists who teach coping strategies and relapse prevention techniques.
- Counselors who help patients deal with life after addiction.
Medication Management Services
Many people struggle with drug addiction because they are taking too many of certain types of medications.
This can lead to severe withdrawal symptoms.
Medications used to manage withdrawal symptoms include:
- Benzodiazepines (Valium, Ativan)
- Antidepressants (Prozac, Zoloft)
Other medications used to treat opioid addictions include:
Prescribed medications should be taken as prescribed by your doctor or pharmacist.
If you stop taking them without talking to your doctor, you could experience serious side effects such as seizures, hallucinations, vomiting, diarrhea, constipation, and even death.
Your doctor may recommend that you take these medications under close supervision while you’re going through rehab.
Once you complete an outpatient program, you will likely still need some type of aftercare program to continue working toward long-term sobriety. Aftercare programs vary from one facility to another. They often involve:
- Group counseling sessions
- Individual counseling sessions
- 12-Step Meetings
- Relapse Prevention Counseling
- Family Support Groups
- Continuing Education Classes
Is There A Waiting Period Before You Can Start Using AmeriHealth Insurance For Drug And Alcohol Rehabilitation?
No, there is no waiting period when you apply for AmeriHealth Insurance. As soon as you submit your application, you will receive confirmation that your application has been accepted.
What You Need to Know About AmeriHealth’s Policies
Here are some things to keep in mind when choosing between basic and comprehensive coverage.
Basic is a limited policy. It doesn’t cover all services provided at a rehab center. It also requires that you pay out of pocket before receiving reimbursement, meaning that you’ll have to pay for everything upfront.
This includes room & board, transportation, medical bills, etc.
If you use the basic plan, AmeriHealth won’t pay for anything unless it’s medically necessary. For example, if you get sick while in rehab, AmeriHealth will only pay for treatment related to the illness.
They won’t pay for other expenses like food, clothing, or entertainment.
Comprehensive is a full-service policy. It covers all services offered at a rehab center. This includes everything listed above. You receive 100% reimbursement for covered services.
This means that AmeriHealth pays for everything you’ve used their insurance for. In addition, they pay for any additional costs incurred during your stay.
For example, AmeriHealth will pay for your meals, laundry, and prescriptions and if you leave rehab early, AmeriHealth will continue paying for your treatment until the end of your 30 days.
After that, they will refund the rest of the money you paid for rehab.
If you return to using drugs or alcohol after completing rehab, AmeriHealth will stop covering your treatment immediately. Any future treatment will then have to be paid for out of your own pocket for future treatment.
When it comes to drug and alcohol addictions, AmeriHealth insurance has what you need. Not only do they offer great coverage for residential treatment programs, but they also provide excellent financial protection.
As long as you stick with the program and don’t relapse, AmeriHealth will help you or your loved ones recover.