Cocaine is a highly addictive stimulant that has a significant effect on the brain and the body. According to the National Institute on Drug Abuse, approximately 1.7 million people in the United States were abusing cocaine during 2012. Consequences of cocaine abuse can include malnourishment, gastrointestinal problems, risk of blood-borne diseases and much more. To avoid these consequences, getting proper treatment is essential.
Before you begin addiction treatment, it’s wise to estimate how much your treatment will cost. Fortunately, if you have an insurance policy from Great West Insurance, a significant portion of your treatment expenses may be covered.
Great West Insurance Basics
Great West Insurance policies are now administered by CIGNA. Three primary types of policies are currently available: Health Savings Plans, Flex Plans and Copay Assure Plans.
- Health Savings Plans – Health Savings Plans come with a higher deductible and the option of opening an HSA account with tax benefits.
- Flex Plans – Flex Plans offer a range of deductible and coinsurance options to meet a range of needs.
- Copay Assure Plans– Copay Assure Plans have no deductible and charge a flat fee for all covered services.
Estimating Your Great West Insurance Cocaine Treatment Coverage
To determine how much Great West Insurance will pay for your cocaine addiction treatment, you must consider the specific requirements of your policy. For example, if you have a deductible, you will have to pay this amount before your Great West Insurance Cocaine Treatment Coverage will begin. However, if you have a Copay Assure Plan, you will most likely pay a flat fee for the services you receive. Finally, if your insurance policy requires you to pay coinsurance after your deductible, you will also be responsible for a set percentage of the costs associated with your care. Regardless of your policy type, you won’t pay any more than your out-of-pocket maximum for the care you receive, as long as all of your services are covered under the plan.
Keep in mind that some policies may require you to get permission from the insurance company before you begin certain types of treatment. For example, residential cocaine addiction treatment often requires precertification. Otherwise, your Great West Insurance Cocaine Treatment Coverage may be reduced.
Policies vary considerably. If you have questions specific to your insurance policy, contact Great West Insurance directly to learn more about your coverage.