Assurant Health Addiction Treatment
Whether you are suffering from an addiction to drugs, gambling or some other vice, receiving the proper treatment is essential to improve your future health and help you live a better life. However, regardless of the type of treatment you need, medical bills will certainly result. Before you incur these expenses, it's important to find out how many of these costs your health insurance plan will cover.
Assurant Health Basics
Assurant Health offers a variety of different insurance plans with various premiums, deductible and coverage levels. The company offers catastrophic insurance, which is designed for people who are under 30 or have a financial hardship, as well as bronze, silver and gold plans. All Assurant Health insurance plans include a Preferred Provider Network, or PPO.
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Determining Your Benefits
All of Assurant Health's insurance plans provide coverage for mental health services, including addiction treatment. However, the exact amount of Assurant Health Addiction Recovery benefits you will receive depends on a number of factors. Some of the factors that may affect your benefits include:
- Your deductible - Before Assurant Health Addiction Recovery coverage will begin, you must first meet your plan's deductible. The exact amount of your deductible depends on your plan. While catastrophic plans have high deductibles, silver and gold plans have lower deductibles.
- Copays and coinsurance - Many plans require you to pay copays and/or coinsurance for addiction treatment services. A copay is a flat fee you pay for the service, while coinsurance is your portion of the total bill. While some services may require a copay or coinsurance, others may require both.
- Choice of provider - Assurant Health Addiction Recovery benefits will also depend on the provider or facility you choose. If you choose a provider and/or facility that is included in Assurant's Preferred Provider Network, the company will pay a larger percentage of your expenses. However, if you choose an out-of-network provider, your payout will most likely be smaller.
- Precertification - Some Assurant Health Addiction Recovery services may need to be precertified before they will be covered. Preauthorization typically involves contacting the insurance company for approval before services are provided. Consult your plan documents to determine whether precertification will be necessary in your case.
Keep in mind that Assurant Health insurance plans vary considerably. For answers to specific questions about your plan, contact Assurant Health directly.