Mount Sinai Medical Center Behavioral Health Unit1 Gustave L Levy Place
New York, NY 10029
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Both the Mental Health Parity and Addiction Equity Act (MHPAEA) and the ACA (the Affordable Care Act) require insurance providers to offer coverage for substance abuse and mental health treatment. These benefits should be to compare to the medical and health care benefits that these insurance providers offer their clients.
However, you might still be worried that you will be required to pay upfront when you choose to use insurance for your addiction treatment in New York. In such a situation, the best thing you can do is gather as much information as you possibly can.
For starters, you should contact your insurance provider. They will provide you with information about the level of coverage that they can offer, and send you a list of the treatment facilities that are within their network.
After that, you should contact these treatment centers and ask them if you will be required to pay upfront even if you are using insurance to offset the cost of your treatment. This might prove useful if they are in your insurance provider’s network.
In such a case, you might not have to pay upfront when you use that particular insurance provider. If you will be, get in touch with your insurance provider and ask them to talk to the drug rehab center. This could ease the problem and help you access the addiction recovery services you need in New York.
The total level of the cost of your addiction treatment in New York that will be covered through your insurance plan will vary based on many different factors. To this end, it is essential that you all to your healthcare insurance plan provider to know what you should expect as well as how much coverage they can provide.
Even so, you should remember that the expenses you pay out of pocket for some addiction treatment services might range from $10,000 to over $100,000 depending on the type of facility that you choose.
If you have insurance, this cost might be reduced significantly or completely eliminated. However, you should need to speak with the company that provides your insurance plan as well as try and find a rehab center that is in their network. This could be essential to your recovery and treatment process.
While doing so, you should know the right questions that you need to ask your healthcare insurance provider. This is the only way you would be able to get the right answers to your questions.
Finally, you should try and local eligible addiction treatment providers who are in-network with your insurance provider. This way, you can hopefully reduce the final cost of your addiction recovery services in New York.
There are different types of insurance available for addiction treatment in New York, as well as elsewhere in the United States. Your choice will largely depend on how much you can afford, the level of care you might need, as well as the programs that you qualify for. Consider the following:
This managed care plan will cover addiction recovery services only if you seek treatment from facilities, specialists, and doctors in the network that the plan runs – apart from emergency situations.
This health insurance plan will limit the care that you receive from doctors and rehab centers who contract or work with the HMO that you chose. Generally, you won’t receive coverage if you seek care out of network unless it is an emergency situation
Medicaid is another way to pay for addiction treatment. The amount of coverage will depend on the duration, core, amount, and type of addiction recovery services that you can receive.
Medicare can also help you cover your recovery services in the state. Check the official Medicare website to learn more about this federally sponsored healthcare insurance program.
Through such a plan, you will be able to pay less when you use healthcare providers in the plan’s chosen network.
PPO will also require you to pay less for addiction treatment if you enroll in a program that is within the plan’s network. However, you don’t need a referral to seek treatment and have it covered through your PPO plan.
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