Great West Insurance Rehab and Heroin Detox Coverage
Heroin is one of the most dangerous and addictive substances known to man. In fact, the National Institute on Drug Abuse reports that nearly one in four people who use heroin will eventually become dependent on the drug. Because of the seriousness of this condition, prompt and effective treatment is highly recommended. However, treatment is often expensive. Thus, if you are interested in heroin detox or rehab, you may be wondering how much of your expenses will be covered by your health insurance. Fortunately, if you are insured by Great West Insurance, substantial coverage may be available for your substance abuse treatment.
Understanding Your Great West Insurance Policy
Great West Insurance policies are now administered and managed by CIGNA. Most of these policies include a preferred provider network, which is a network of doctors and facilities recommended to subscribers. Some of the variables associated with these policies include:
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- Type of Policy - Several different types of policies are available through Great West Insurance/CIGNA, including Health Savings Plans, Health Flex Plans and Copay Assure Plans. Some of these plans will offer a greater level of coverage for addiction treatment than others.
- Deductible - Your deductible is the amount you must pay for healthcare before your plan will begin covering your expenses. Health Savings Plans tend to have higher deductibles, while Copay Assure Plans have no deductibles. Health Flex Plans offer a range of deductibles to meet your needs.
- Copay and Coinsurance Requirements - Regardless of the type of plan you have, you may be required to pay a copay and/or coinsurance for services you receive. For example, if you meet with a substance abuse counselor, you may be required to remit a $50 copay at the time of service. Likewise, if you are admitted for inpatient heroin detox, you may be required to pay 30 percent coinsurance, while your Great West Insurance Heroin Detox Coverage pays the remainder of the bill.
- Precertification Requirements - Certain services may require precertification before they will be covered. This means that the service must be authorized by the insurance company before it is provided.
How Much Will You Pay?
Determining your Great West Insurance Heroin Detox Coverage for a given service can be difficult. Read your plan documents carefully, and don't forget to consider the amount remaining on your deductible. To maximize Great West Insurance Heroin Detox Coverage, select doctors and facilities from within the preferred provider network.