Aultcare Insurance Company
If you or a loved one needs treatment for addiction, you may wonder how to find the right program. There are many factors to consider, and you may be concerned that you won’t find the treatment you need that has all of the elements you’re looking for. For example, when seeking addiction treatment covered by Aultcare Insurance, one should look for the following five elements.
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Second, you should look for an accredited program, meaning one that has been certified as meeting a quality standard.
Third, you should find a treatment center that offers exceptional aftercare services. This means that the program would connect you with resources like counseling, support groups, and sponsors for after your treatment.
Fourth, you should seek out evidence-based programs. These types of programs rely on scientific research to determine what type of treatment they provide.
Fifth and most importantly, you will need to find a treatment center that works with the insurance you have. For those who have Aultcare insurance, you will likely be able to find an Ohio addiction treatment center that is right for you.
Need To Know:
- Length and Type of Treatment Program
- Evidence-Based Research
- Payment Options
If you are in Ohio and you have questions about Aultcare insurance, please call 614-502-6247 today.
Aultcare Insurance and Addiction Treatment
To begin, Aultcare Insurance offers two plans. First, the Select Network has a smaller set of providers. However, they may offer lower premiums. Second, Traditional PPO network has a larger range of providers. However, they may also have a higher monthly premium or higher deductibles. Further, both plans provide Bronze, Silver, and Gold options. Generally, the Bronze option ensures the lowest monthly premium. However, there are often higher deductibles and out-of-pocket expenses. On the other hand, Gold options provide the highest coverage, but they also require the highest price. Further, there are usually lower deductibles and out-of-pocket expenses associated with Gold plans. Therefore, there are cost benefits to both types of plans. Silver plans, as one might expect, are in the middle of these two types of plans. Generally, they offer average coverage and also have average costs associated with them. Although the plans have differences, each of them provide quality coverage.
Medicare and Medicaid in Ohio
Many people who need addiction treatment may not have private insurance. In fact, they may have public insurance through either Medicare or Medicaid. If you are covered by one of these insurances, you may wonder if you can find a treatment center that will accept your insurance. However, you don’t need to worry. You will be able to find a treatment center that accepts one of these insurance options.
In several cities in Ohio, several treatment centers accept Medicaid and Medicare. If you are unfamiliar with these Medicare is the US federal healthcare plan for people who are ages 65 and older. Medicaid, however, is the US federal healthcare plan for those who are economically disadvantaged. If you have Medicare or Medicaid, there is a chance that you can be covered for addiction treatment. You will likely have to pay a copayment or deductible, but these public insurances can help.
How Does Medicare Work?
Medicare, the federal health insurance program, serves those who are 65 or older, some younger people who have disabilities, and people who have End-Stage Renal Disease (ESRD). ESRD is permanent kidney failure that requires dialysis or a transplant. Further, Medicare’s services come in four distinct parts.
Here are the four parts:
- Medicare Part A (Hospital Insurance)
- Medicare Part B (Medical Insurance)
- Medicare Part C (Medicare Advantage, or all-in-one coverage)
- Medicare Part D (Prescription drug coverage)
We will better explain these services so that you understand what Medicare offers.
Medicare Part A
Part A is hospital insurance. Therefore, Part A covers care in a skilled nurse facility (such as an assisted living center), hospice care, inpatient hospital visits, and home healthcare in some situations.
Medicare Part B
Part B is medical insurance. Consequently, Part B covers outpatient care, some doctors’ visits, medical supplies, preventative services, and some doctors’ services.
Medicare Part C
Part C is a combination of Part A, Part B, and (most of the time) Part D. This means that those covered by Part C have access to hospital care, medical care, and prescription services.
Medicare Part D
Part D covers prescription drug coverage. This means that those covered by Part D can receive their medications at a lower cost than they normally are.
Coverage of Inpatient, Outpatient, and Residential Treatment
Medicare covers addiction services when providers deem the services reasonable and necessary. However, there are no specific benefit categories for addiction treatment. Still, Medicare could potentially cover inpatient, outpatient, and residential treatment. Further, Ohio’s Medicaid covers addiction treatment for adults with alcohol or drug dependency. Medicaid’s coverage includes outpatient and residential services, as well as other treatments.
Inpatient treatment means the person stays at a facility for a period of time. This lasts usually between three weeks and six months. They undergo intensive treatment while living at the facility. Inpatient treatment has a higher success rate than outpatient treatment, but it is also more expensive. Further, inpatient treatment interrupts daily life. Ultimately, inpatient treatment is particularly effective for those who have undergone serious addictions.
Outpatient, inpatient, and residential treatment are the three major types of treatment available. Outpatient treatment is part-time, usually between 10 to 12 hours a week, meaning that the recovering user comes to the facility, but they do not stay in the facility. These programs usually run between three months to one year. Ultimately, outpatient treatment is right for those who have more mild addictions.
Residential treatment means that patients live in a residence with other patients. Treatment staff transports the patients to the treatment center each day. Accordingly, they experience the best parts of both inpatient and outpatient treatment. Residential treatment is best for those who want to keep their treatment and living areas separate, but they still want to separate themselves from their toxic environments.
Information on Medicaid
Medicaid provides Millions of people in the US with healthcare. Primarily, Medicaid serves those who are economically disadvantaged. People with disabilities, pregnant women, children, and adults can all receive coverage from Medicaid. People can receive care who would not otherwise have the means to do so through Medicaid. States administer Medicaid, and the program is funded by states and the federal government.
No Matter What, Treatment is the Right Choice
Regardless of what kind of insurance you have, you can find treatment. Although navigating insurance and treatment can be difficult, we know that you can find the treatment that is right for you. Another factor to consider is what type of plan you have: HMO or PPO. HMO plans, or Health Maintenance Organization, provide a network of medical care providers, and you need to stay within that network. PPO plans, however, have a network, but you don’t need to stay within the network. Normally, HMO plans are cheaper and PPO plans are more expensive. Further, with PPO plans, you may have to pay the physician and file a claim. With HMO plans, you don’t need to file a claim usually, since the insurance pays the provider directly.
If you do not have Aultcare Insurance and you are worried about how to pay for addiction treatment, there are other options for you. For example, you may be able to receive treatment through a treatment center that offers payment on a sliding fee scale. These addiction treatment centers accept payment based on a person’s income and specific situation. Other rehab centers provide payment deductions for those who can’t pay the full price. Whether you have Aultcare Insurance, Medicare, Medicaid, or no insurance, you have options for treatment. We can help you find the treatment you need. If you are in Ohio and you need help finding treatment, please call 614-502-6247 today.