Boca Raton, FL based Find Addiction Rehabs (FAR) would like to talk about some of the insurance policies that cover addiction treatment, both generally and specifically for members of the military who use TRICARE insurance. In their latest resources on the subject, they examine some of the most widely accepted forms of insurance for addiction treatment while also looking at those that provide the most extensive coverage. Find Addiction Rehabs also has a complete resource guide that explains how to use the DEERS system and how the system can be used to ensure that addiction and mental health treatment are covered.
Drug or alcohol addiction is a serious issue for both the person struggling with addiction and the people around them, and specialized treatment at a top facility with a team of skilled professionals can be very expensive. This is why it is important to have adequate coverage. Find Addiction Rehabs helps people figure out the best insurance programs so they can get the help they need. Medicaid, for example, is an excellent option for people struggling with drug and alcohol addiction. The program is income-based, meaning that low-income individuals can, (depending on what state they live) make use of Medicaid to get treatment for their substance abuse issues. Providers are often not as willing to accept Medicaid due to lower reimbursement rates and higher administrative costs, but it is still good to have where no other coverage options exist.
Find Addiction Rehabs also talks about private health insurance, which could be an option for those who cannot make use of Medicaid. “There is some good news for those who do not meet the criteria for Medicaid in their state,” says Find Addiction Rehabs. “The Affordable Care Act passed in 2010 made it mandatory for health insurance policies to cover addiction treatment and mental health services. It became easier for people to buy an insurance policy in the health insurance marketplace formed under the Affordable Care Act. These are now considered essential health benefits, meaning that insurance companies must cover the cost of addiction treatment. The insurance company must handle it no differently than if they were treating a physical health condition. With that being said, that does not necessarily mean that your health insurance will cover all treatment centers.”
Depending on the treatment center and the level of coverage one buys, it is possible that an individual may still owe out-of-pocket costs. Health insurance is broken into four levels, ranging from bronze to platinum, with bronze covering the lowest percentage of treatment and platinum covering a lot more. Platinum is more expensive but comes with a lower deductible. It is important to look at the monthly cost and how much the plan covers when deciding between bronze, silver, gold and platinum insurance plans in order to determine which plan best fits an individual’s financial capabilities.
The Defense Enrollment Eligibility Reporting System (DEERS) for TRICARE is another one of the coverage resources that Find Addiction Rehabs recommends. DEERS is a defense manpower data center that stores records and information for US service members. Using the Defense Enrollment Eligibility Reporting System for TRICARE ensures that US service members and their families have access to the medical care they need to beat substance addiction and other issues.
Find Addiction Rehabs says, “Whether you are a retired or currently uniformed service member, or have a military family status, you will need to be registered in the Defense Enrollment Eligibility Reporting System in order to receive your TRICARE benefits. Your personal eligibility information will be determined based on your status in the military, and that of your dependent family members. Service members are automatically registered in DEERS, while their eligible family members must be manually registered in the Defense Enrollment Eligibility Reporting systems. In the event that both parents have served in the military, one of them will have to be listed as their child or children’s main sponsor in the DEERS database.”
Those interested in learning more about the resources in their area are advised to begin by visiting Find Addiction Rehabs’ website. It offers a great deal of information on a variety of topics, such as finding a local rehab that meets a person’s needs or even getting FMLA leave as a member of the Armed Services.
For more information about Find Addiction Rehabs, contact the company here:
Find Addiction Rehabs
Find Addiction Rehabs
2499 Glades Rd
Boca Raton, FL 33431