HMO Prescription Drug Addiction Treatment
Prescription drug addiction is all too common in the United States. Whether you buy your drugs on the street or get them from a doctor, the result is still the same. People who are addicted to prescription drugs may be unable to hold a job, or they may experience problems with interpersonal relationship. Over time, the abuse of prescription drugs can also lead to a number of serious health concerns.
Overcoming prescription drug addiction can be difficult. Effective treatments are available, but you must first enter a detox program to remove the drug from your system. Fortunately, if you have coverage from an HMO insurance policy, detox may be more affordable than you think.
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What is an HMO?
An HMO, or health maintenance organization, is a type of managed-care health insurance policy. When you have an HMO plan, you must elect a primary care physician to direct all of your care. Your PCP will be responsible for determining which treatments you need, referring you to specialists and ensuring that all of your health conditions have been addressed appropriately. With an HMO, you will also be required to receive all of your treatment services from providers within the HMO network. Otherwise, you may not be eligible for HMO Prescription Drug Detox coverage.
Estimating HMO Prescription Drug Detox Costs
To estimate how much you will pay for prescription drug detox, consider all of the following factors:
- Cost of services - Depending on the type of detox program you choose and the fees charged by your provider, your detox costs will vary.
- Deductible - Like most other insurance plans, HMO policies often include a deductible you must meet before your HMO Prescription Drug Detox coverage will begin.
- Coinsurance - After meeting your annual deductible, you may still be required to pay coinsurance, which is calculated as a percentage of future costs.
- Out-of-pocket maximum - Once you have reached your plan's out-of-pocket maximum, you will no longer be responsible for any of your covered expenses for the remainder of the calendar year.
Please keep in mind that HMO policies may vary by insurer. For a more accurate estimate of your HMO Prescription Drug Detox coverage, consult your plan documents or contact your carrier directly.