Using Health Insurance At Ohio Recovery Center

Health insurance helps make health care, including behavioral health care, more accessible for more people. However, understanding insurance fees, benefits, and coverage isn’t always so simple. 

Ohio Recovery Center’s insurance verification services are fast and free, getting you the information you need quickly so that you can make the best decision for your care. The amount of health insurance coverage you will receive depends on the type of insurance you have and the type of treatment you need. 

We can work with your insurance provider to get you the best treatment for your needs. 

Learn More About Using Private Insurance

Private health insurance plans may be obtained through the Health Insurance Marketplace, directly from a private insurance company, or via an employer’s benefits program. 

Some of the most popular private insurance companies in Ohio include: 

• Aetna
• Anthem
• Blue Cross Blue Shield
• Cigna

Most private insurance companies offer two types of insurance plans: health maintenance organizations (HMOs) and preferred provider organizations (PPOs). 

HMO Plans

In most cases, HMO plans have lower premiums than PPO plans. A premium is an amount you pay each month for your insurance policy. 

Also, with an HMO plan, you must use treatment centers and treatment providers in the plan’s network. When you’re seeking addiction or mental health treatment, your primary healthcare provider will refer you to an in-network treatment program.

PPO Plans

While PPO plans tend to have higher monthly premiums than HMO plans, they offer more flexibility. In other words, they may cover some out-of-network treatment services or be more likely to cover out-of-state services. 

Also, unlike HMO plans, PPO plans don’t require you to get treatment referrals from your primary care provider. 

How Much Treatment Does Private Insurance Cover?

Whether HMO or PPO, most private insurance plans will cover some or all of the cost of rehab or mental health treatment. The exact amount of coverage depends on the details of your plan, which may also involve deductibles and copays. 

A deductible is the amount of money you must pay out of pocket before your coverage begins. A copay is a fixed fee you pay for a covered treatment. To learn about the details of your plan, contact your insurance provider. 

Using Public Insurance In Ohio

Public health insurance plans are plans purchased through a government program. The two main types of public health insurance are Medicare and Medicaid, but TRICARE is another popular option.

Medicare is a government-sponsored insurance program for people aged 65 and older as well as people under 65 with certain disabilities. 

Medicaid is a government-sponsored insurance program mainly for people with low incomes. Medicaid is run by each individual state, which means that people with Ohio Medicaid can most of the time only use their insurance with treatment providers in the state of Ohio.

TRICARE offers government-funded health insurance for uniformed service members, retirees, and their family members across the globe. Accessing mental health care through TRICARE is so common that, right now, the TRICARE website features help with accessing mental health services front and center on its home page.

As with private insurance, the amount of coverage you receive depends on your specific plan. 

Types Of Treatment Covered In Ohio

Both private and public insurance plans offer different amounts of coverage depending on what type of treatment you receive. 

Some health insurance providers will cover some types of treatment but not others. Also, some providers will only cover your first rehab stay. If you relapse and need additional treatment, you may receive less coverage or no coverage at all. 

To determine how much coverage you will receive for certain treatments, contact Ohio Recovery Center, or your treatment center of choice, or your health insurance provider.  

Inpatient & Outpatient Care

Some treatment programs are inpatient, including Ohio Recovery Center, which means you live on-site, with 24/7 access to care and support. Other programs are outpatient, which means you regularly visit the treatment facility while living at home. 

Inpatient treatment or residential care is usually recommended for people with moderate-to-severe addictions and people experiencing a mental health crisis. Residential mental health treatment may also serve as a “step down” from a stay in a psychiatric hospital. Outpatient treatment can work for people with milder addictions or those in need of ongoing recovery support following inpatient treatment. 

Both inpatient and outpatient programs offer a variety of treatment options, including:

• medical detox, in which medical professionals like doctors and nurses help manage your withdrawal symptoms to keep you safe and as comfortable as possible
• mental health counseling and therapy, in which a licensed therapist or counselor helps you heal from trauma and learn healthy coping skills
• medication-assisted treatment (MAT), in which medications are prescribed to ease cravings and symptoms associated with alcohol withdrawal, opioid withdrawal, and nicotine withdrawal

Dual Diagnosis Treatment

Dual diagnosis treatment addresses addiction alongside co-occurring mental health conditions such as depression, bipolar disorder, and schizophrenia. 

Other Ways To Pay For Treatment

If you don’t have health insurance, or if treatment costs are still too high even when your insurance is applied, there are other options that can make it easier to access the care you need.

For example, you could:

• apply for a scholarship from an organization such as 10,000 Beds
• ask loved ones to help you pay
• ask for donations on a crowdfunding site such as GoFundMe
• take out a loan

To learn more about paying for treatment at Ohio Recovery Center, please reach out to us today.