Receiving Treatment with AMbetter
AMbetter is a marketplace insurance plan provider who offers plans to customers in 18 states across the US, including Illinois. AMbetter isn’t as big as some other insurance companies in the industry, so the price, customer service, and reachability of their services is unique among its peers. Furthermore, AMbetter puts an emphasis on making sure that clients with limited finances can find an affordable health insurance option. Additionally, there are three major types of plans available to Illinois residents. Here is a summary of what you can expect with each one:
The Balanced Care package is designed to balance the costs of deductibles and monthly premiums, so that way you aren’t paying too much when receiving care or taking care of monthly bills. In addition, there are twenty different levels of the Balanced Care plan. Your income compared to the official Federal Poverty Level is what determines which level of the plan you can receive. Fortunately, all levels of the Balanced Care plan can provide substance abuse treatment. However, you still may need to pay some form of deductible, copay, or coinsurance to receive that specific addiction care.
Essential Care usually is going to have the highest deductible payments for when you receive treatment. However, premiums are also typically lower with this plan to compensate for the higher copays. Like Balanced Care, this plan is split into twenty different levels based on your income. Likewise, each level may cover substance abuse treatment, so reach out to your insurance and see if your level covers addiction treatment.
With Secure Care, deductibles and all out of pocket expenses are usually going to be lower. On the other hand, customers will have to get used to higher monthly premium payments. Secure Care still has the twenty level system that the other coverage options have as well.
Understanding Insurance Coverage
Having three separate plans for health insurance customers gives you a simple but wide choice of plans. Importantly, you can shop around for which method of payment is better for your wallet. Whether you want lower deductibles or lower premiums, there is some type of plan for you. At the same time, some patients have to use other methods of paying for treatment.
Important Medicare and Medicaid Information
For those with lower incomes or unable to get health insurance coverage, medical payment assistance programs like Medicare and Medicaid could be able to help. As a result, many people who thought they couldn’t afford to get treated for their addictions can now know that it’s possible.
- Medicare and Medicaid can help cover both inpatient and outpatient treatment, including standard and intensive types of care
- Medicaid in the state of Illinois can be used to cover the costs of substance abuse treatment for adults with dependency to alcohol or drugs
- No Medicare benefit category for substance abuse exists, but Medicare can still possibly cover the treatment costs
- Select centers across Illinois accept Medicaid, but you can be certain that around a dozen facilities in Chicago accept medical assistance programs as payment
Often, Medicare and Medicaid will cover the patient’s treatment costs if it is reasonable and necessary, so your individual circumstances will determine if you qualify.
Where to Find Help
The websites of most health insurance companies will have some type of substance abuse or mental health section for customers to look through. Therefore, you can look through these areas of your insurance company’s website and see if. It is also possible to look for a specific facility and see if it is covered by your insurance provider.
If insurance won’t help you pay for addiction treatment, don’t lose hope because we know of other financial options for you.
How We Can Help
AMbetter does a great job of providing simple and understandable plans for potential customers to take advantage of. In particular, people considering addiction treatment should reach out to their insurance representative and see if their substance abuse treatment can be covered. Don’t forget that there are different levels to each plan as well. With these thoughts in mind, don’t hesitate to reach out to us or your insurance and start planning your road to sobriety.
Knowing Your Alternatives
Insurance companies don’t get the final say as to whether you get medical care or not. Fortunately, Medicare and Medicaid are here to help you get the treatment that may be just out of your reach. If medical payment assistance isn’t an option either, then payment plans from rehab centers themselves are sometimes offered.
To conclude, insurance coverage can be confusing, but it doesn’t have to be stressful. Regardless of your background or financial limitations, you can still seek help for your addiction today. Your mental and physical health can be improved through rehabilitation. Make a difference in your life or the life of a loved one today by calling 815-384-1376 and speaking with an addiction expert.