If you are seeking Columbus OH drug rehab and alcohol treatment then your health insurance may cover part of the cost for your rehab and treatment. You will have to do some research because your insurance may not cover the entire cost. With the Affordable Care Act, it is now easier than ever to get the help that you need but you still need to call, or check the website for your insurance provider to see exactly what, and how much is covered. You should also be able to get a good understanding of what the out-of-pocket costs will be, if any at all. Most health insurance policies require policyholders to pay a co-pay or meet a deductible, so make sure you have a clear idea of what these costs are as well.
A co-pay is typically a small fee that you pay directly to the health care provider, or facility, for seeing you, and your insurance company will usually pay for the rest. The deductible portion is the amount of health care costs that you have to pay out-of-pocket during your policy year before the insurance company helps cover the expenses.
Columbus OH Drug Rehab and Treatment Insurance
This is something that you'll have to check your policy for. Some will only cover specific types of treatments and some policies might limit their reimbursements to certain dollar amounts. Some insurance policies might only pay for a detox program or addiction medications. You can find out exactly what is covered by looking at your benefits guide or you can call the 1-800 number and speak to a benefits specialist with the provider.
Insurance for an Overdose
Several insurance companies will cover an overdose, but some do not. Some of the insurance providers qualify overdoses as a self-inflicted illness. This is why these providers will not cover it. It really depends on your policy and the provider, so again you'll need to check your benefits guide. In general, most health insurance companies will consider drug overdoses to be accidental, even if illegal substances are involved. When someone overdoses it is typically considered to be a medical emergency. Medical treatment is needed right away in these emergencies, so if your policy covers emergency or critical care services, then you should be covered for an overdose.
Overdosing with No Insurance
If you, or someone you love has experienced an overdose then please seek treatment as soon as possible, even if you do not have insurance. An overdose can lead to a lifetime of health complications and can even be fatal in some circumstances. If you do not have health insurance, you still have payment options for getting medical help.
For instance, many hospitals and critical care centers are more than willing to work with patients by the way of payment plans. Most healthcare facilities do not expect patients to be able to pay for their medical bills at once and most should be happy to help you set a plan to pay back the bills with monthly installments.
You also might be able to use a charity. Some states have organizations that might offer grants to low-income individuals to help pay for some, or all of their medical bills. You'll have to do some research and you should be able to get some help from the facility's billing department. They should be able to tell you right away if you meet the requirements or not.
Finally, look into getting Medicaid. Medicaid is a government funded program that pays for eligible participant’s medical needs. Qualification is different for each state and eligibility is based on income, household size, and expenses. To learn more about this program you should contact your state or county assistance office, or department of health.
For top notch Columbus OH drug rehab and alcohol treatment look no further than Legacy Freedom Treatment Centers. We offer only the best in alternative and holistic treatment programs to help you regain your sobriety. It's a new year so make a change for the better. Get the help you deserve by calling Legacy Freedom today.