Drug and alcohol dependency is a severe, devastating and life-threatening health problem that can impede all aspects of an individual’s life. Highmark acknowledges the significance of detox and rehabilitation programs and supplies coverage choices to assist clients cover the costs they sustain throughout treatment. Below are some frequent topics of interest that might assist you much better comprehend your Highmark insurance protection.
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Does Highmark Cover Detox Providers?
Detoxing is the first phase of the treatment process. Individuals typically show lots of agonizing or uncomfortable withdrawal symptoms as the drug leaves the body. This withdrawal duration can last days as well as weeks, depending on the drug. Medically-assisted detox under the care of a doctor can supply clients with medication to help keep them safe, alleviate withdrawal signs and prevent relapse.
Detox services are covered under a lot of Highmark insurance coverage strategies. Private coverage can vary greatly depending on your private strategy, however. Some strategies may provide complete protection while others provide for co-insurance. This suggests that Highmark pays a certain percentage, and the patient is responsible for paying the staying costs.
For instance, if your co-insurance was 30%, Highmark would cover 70% of the expenses and you would be responsible for 30%. Numerous strategies likewise need a copay, which is a specific dollar amount paid up front at the time of service– otherwise referred to as a deductible, which is a defined quantity the patient must pay of pocket prior to protection kicks in.
Does Highmark Cover Rehab?
Highmark normally provides some level of coverage for drug abuse rehab programs since drug abuse is thought about a disease. As with detox, the quantity of protection depends upon your strategy, so the amounts and types of coverage vary. There may likewise be protection readily available if you have been diagnosed with a co-occurring mental disorder that contributed to your drug or alcoholism.
Highmark covers a variety of rehabilitation programs, consisting of both inpatient and outpatient treatment centers. Make sure to carefully examine your Summary of Benefits or speak to a Highmark agent to accurately identify your coverage prior to undergoing treatment.
Addiction Treatment that Highmark will cover
The duration of substance abuse treatment can vary. The most common domestic programs last from 28 to 30 days, but there are 60 days and 90-day programs, and some programs that last a year or longer. Highmark insurance strategies will typically let you pick the length of your treatment, depending on your private needs and your physician’s recorded suggestions.
Both inpatient programs and outpatient treatment are covered under the Drug abuse and Mental Health portion of protection. Specific protection might differ inning accordance with your private plan and whether you have already fulfilled your deductible and your out-of-pocket spending limitation for the fiscal year. Protection might be limited for stays that last more than one Month. It’s best to speak to a Highmark agent to better comprehend your coverage.
Specialized Alcohol and Drug Treatment Through Highmark
In addition to basic treatment, luxury and executive rehabilitation facilities offer customized treatment and amenities that might consist of:
- Gourmet meals
- Personal rooms
- Medspa treatments
Highmark does not usually offer additional protection for these features, as they are ruled out vital to medical treatment. If you do not have coverage for a feature or the specialized treatment you prefer, consider talking with the treatment center about other payment plans. Sometimes, some individuals may decide to make out-of-pocket payments for the included facilities that insurance may not cover.