HMO Rehab and Heroin Detox Coverage
Heroin is one of the most addictive drugs available, and it can wreak havoc on your body. If you are suffering from an addiction to this dangerous drug, seeking professional treatment is the best way to overcome your condition.
When you are planning to enroll in heroin detox and addiction treatment, one of the first questions you may have involves the amount you will need to pay. Fortunately, if you have HMO insurance coverage, some of these expenses may be covered by your plan.
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HMO Plan Basics
An HMO, or health maintenance organization, is a type of managed care plan. These plans have several distinguishing features, which are detailed below:
- You must choose a primary care physician. HMO plans require you to choose a PCP. You cannot receive any treatments or visit a specialist without a referral from your PCP.
- You pay a co-payment for all services. When you have an HMO, you will typically have a copay for all of your covered services. This means that you will be required to pay a flat fee at the time of service.
- You must use in-network providers. HMO insurance plans will cover services only if they are provided by doctors and facilities that are part of the HMO's network. If you use providers outside of the network, you will be responsible for all of the associated expenses.
What Does This Mean for Addiction Treatment?
All of the features above affect the amount of HMO heroin detox coverage and rehab benefits you can expect to receive. For example, in order for your treatment or any visits to a specialist to be covered, you must first obtain a referral from your PCP. To ensure coverage, you must select a specialist and/or treatment facility that is a member of your HMO's provider network. Finally, at the time of treatment, you will be expected to submit a copay as a supplement to your HMO heroin detox coverage.
Many HMO plans also include deductibles and coinsurance requirements. The deductible is the amount you must pay for healthcare expenses each year before HMO heroin detox coverage and rehab benefits will begin, while coinsurance is the percentage of treatment expenses you will pay after your deductible has been met.
Please keep in mind that HMO plans vary considerably. If you have specific questions about your HMO heroin detox coverage, consult your plan documents.