How Does Drug Rehab Insurance Work?
Let’s start off by saying that yes, there is drug rehab insurance in Maryland, and all over the country. It is not a very well known fact, and some might not know where to begin to look. There are a number of options for insurance, coverage, and programs.
Not being able to afford healthcare is one of the main reasons why people won’t get treatment. For instance, programs for residential or inpatient treatment are highly recommended for severe cases. However, they tend to be the more expensive option. Nonetheless, other options for outpatient programs can also be quite pricey. Even when they are not, they tend to last longer, and therefore, so do the expenses.
When looking into drug rehab insurance options in Maryland, you need to know some categories of treatment. That way, you will know how to best check for coverage.
First, there is mental and behavioral health treatment. This includes psychotherapy, counseling, and any treatment that approaches behavior, thoughts, and emotions. Secondly, there’s substance use disorder treatment. That can be comprised of medication, medical monitoring, and even the use of facilities. They are considered essential health benefits.
No matter what kind of insurance you have, or even if you don’t have one, treatment can be more affordable. Additionally, drug rehab insurance in Maryland is not too hard to get. But knowing what your options are can be the best first step before picking.
Marketplace Drug Rehab Insurance in Maryland
Marketplaces, or “the exchange”, offer health insurance policy options subsidized by the government or private companies. People can sign up to see if they qualify for their option of choice. If they do, they can apply, and their health insurance premium costs will be reduced.
All marketplace plans have to provide coverage for rehab treatment. That is because all mental and behavioral health services are considered essential benefits.
There are a few different options for drug rehab insurance in Maryland, which include:
State government marketplace – As the name suggests, this option is funded by the government of the state of Maryland.
Federal government marketplace – Since not all states have their own marketplace, some people rely on a federal option. It is possible to shop in the federal exchange even if your state does have its own marketplace.
Private marketplace – These are a great option for people to buy marketplace and alternative health insurance. There are more options that are more affordable, including some with less coverage.
With these three options alone, you can cover all of your bases for drug rehab insurance in Maryland. These insurance plans can be changed at any frequency, too. But prices might fluctuate, and your qualification status might change as well.
There are some protections that come with marketplace insurance. One of them is that no one can be denied coverage or be charged more for pre-existing conditions. This includes any mental illness, such as substance use disorders.
Unlike other options, they also cannot impose a limit for dollars spent on treatment for essential health benefits. As we will mention, some coverages have a limit of days or dollars to be used for treatment. Some of them are yearly, others are even lifelong.
There is also parity protection for mental health services. This includes many factors, from copayments and deductibles to the number of visits covered. It requires that limits related to mental health and substance abuse services do not exceed medical and surgical services.
Affordable Care Act/Obamacare for Drug Rehab
The Affordable Care Act (ACA), commonly called Obamacare, covers drug rehab insurance in Maryland and every state. Substance abuse disorders, in general, are covered by Obamacare health insurance plans. This is also considered one of the 10 essential health care benefits.
As for how much is covered, that changes from person to person. But it will rarely, if ever, be 100% coverage for treatment. This means that the patient will have to pay for some of the costs of treatment. This applies for both inpatient and outpatient programs. How much coverage one can get depends on cost-sharing.
In order to be sure about coverage details, the person will need to check with their insurer. While it is a partial help, it can cut costs significantly, which can definitely make a difference. Other expenses will be dictated by insurers of the patient, but they must provide the mentioned parity protections.
The ACA helped regulate many health care requirements, making treatment more affordable. In fact, it is the measure that made all insurers be forced to provide coverage for substance abuse treatment.
Medicare and Medicaid – The Differences and The Rehab Coverage
Medicare and Medicaid are both state- and federal-funded programs established in 1965. The two programs can be applied for drug rehab insurance in Maryland since they are government initiatives.
Like many options provided by government funding, there are yearly changes to these plans. It is important to keep on checking on your coverage every year. This aspect of the program is important to avoid economic issues. But it also means that, if you were not eligible in the past, you could be now.
Most people tend to mix up Medicaid and Medicare. There are key differences between the two, especially when it comes to coverage for services related to rehab. But know that it is possible to qualify for both Medicaid and Medicare.
Medicaid Drug Rehab Insurance
The program benefits those with low income that can’t afford most plans. The income eligibility varies in each state. If you’re looking for drug rehab insurance in Maryland specifically, it’s best to check the requirements to see if you’d apply.
When it comes to drug rehab insurance in Maryland, Medicaid provides great coverage. It covers all levels of care, as well as all medication for opioid use disorders. This is especially important considering how bad the opioid crisis has gotten in Maryland.
Medicare Drug Rehab Insurance
The medicare program is an aid to those over the age of 65 or people with severe disabilities. Unlike Medicaid, it doesn’t require that you inform your income. Medicare doesn’t consider income for eligibility.
Some of the requirements for Medicare are: being over 65 and having paid Medicare taxes for 10 years or more; being married to someone who paid Medicare taxes for 10 years or more; have a severe disability (no matter what age); suffering from End-Stage Renal Disease.
The drug rehab insurance in Maryland provided by Medicare include both outpatient and inpatient treatment. Medicare is divided into parts A, B, C, and D, each covering different parts of rehab treatment. But there are certain limitations to each setting.
For instance, part A does not cover more than 190 days in a psychiatric hospital. And that is for the entirety of the insured person’s life. As for prescription medications, part D won’t cover buprenorphine or methadone. There are many details that need to be checked in order to make sure you can afford your part.
Drug Rehab Treatment Without Insurance In Maryland
If none of these options are available or affordable to you, that’s okay. There are other ways to make the payment process less stressful and difficult. Paying out of pocket doesn’t have to leave you in debt.
For starters, there are payment plans that allow the full amount to be broken down into parts. Quite similar to paying gradually on your credit card, which is another option. Both enable you to get treatment even before you’ve paid for it in full.
What most people don’t know is that there are also rehab grants or scholarships available. These can be funded by the government or the rehab center itself. They are meant to help the patient pay for their treatment, either partially or in full.
A less appealing option that is still a possibility is getting a loan. It is possible to take a private loan, a personal loan, or even use home equity to pay for treatment. But it requires discipline a good management in order to be paid off in time.
And finally, a popular option (but still hard to manage) is crowdfunding. Many people have used online platforms to urge others to help them pay for treatment. It is tricky because it requires effective online reach, but it works!
Find Out If The Freedom Center Is Right For You
Everyone deserves treatment, and there are many financial options available. We at The Freedom Center believe treatment shouldn’t have to be so hard to afford. We offer great programs for all needs, as payment issues should never stand between you and the treatment you need.
If you feel lost while trying to pick a treatment program, we would love to help. You can contact us today and we can tell you all about our coverage options. By speaking to us and your health care provider, you can figure out the best financial option for you.