Not only is heroin one of the most addictive drugs in existence, but it also causes some of the worst withdrawal symptoms. Unfortunately, before you can begin recovering from an addiction to heroin, you must detox from the drug and deal with the associated withdrawal. Because this process can be both dangerous and uncomfortable, many people opt for medically-supervised detox procedures.
Although medically-supervised detox can be expensive, it is the best choice if you are nervous about heroin withdrawal. Fortunately, if your employer offers a self-funded insurance plan through HealthSmart, you may qualify for HealthSmart Heroin Detox Coverage.
HealthSmart 101
HealthSmart is not a typical health insurance company. It does not provide policies or pay for medical claims. Instead, this company offers health insurance management solutions to employers that provide their workers with self-funded insurance policies. Some of the products employers may purchase from HealthSmart include claims management, network solutions, prescription solutions and more.
Will I Qualify for Healthsmart Heroin Detox Coverage?
With HealthSmart, employers are able to design their own insurance policies. However, because these insurance policies must still comply with ACA requirements, they will typically include coverage for addiction treatment, including heroin detox. The specifics of your Healthsmart Heroin Detox Coverage will depend on the structure and terms of your employer’s policy.
Some of the factors that may affect your detox coverage include:
- Plan Provisions – Some plans may cover only certain types of detox. Likewise, some plans may require you to undergo specific tests or satisfy other requirements before detox will be covered.
- Network Requirements – In order to qualify for benefits under some plans, you may need to choose specific doctors or facilities.
- Referral Requirements – Some plans may require you to obtain a referral from your primary care provider before treatment will be covered.
- Precertification – For certain types of treatment, you may need to request precertification from the insurer. This means that you will need express permission from your insurer before you can begin treatment.
- Deductibles and Coinsurance – Most plans include a deductible, which is a specific amount of money you must pay toward your own medical expenses each year before subsequent expenses will be covered. After meeting your deductible, you may also pay a certain percentage of additional expenses as coinsurance.
To learn more about your heroin detox coverage, read your plan documents or contact your insurer directly.