When you are addicted to a drug, rehab is often the best way to overcome your condition and improve your health. However, because of the high costs associated with rehab, many people struggling with addictions are hesitant to enter treatment. Fortunately, if you have coverage through a health insurance policy, you may not pay as much for rehab.
If you have insurance coverage through Value Options, consult the information below to determine whether you could enroll in treatment at a Value Options Drug Rehab Treatment Center.
What is Value Options?
Value Options is not a full-service insurer. Instead, this company provides a range of products and services designed to supplement traditional insurance policies. Some of the services offered by Value Options include:
- Life coaching
- Health and wellness solutions
- Behavioral healthcare programs
- Employee assistance programs
- Tele-psychiatry
- Work-life programs
- Medicaid management
If you are a member of the Value Options network, you may have access to only one of these services, or you may be covered under multiple programs. While some of these programs will include treatment for drug addiction, others may not. Before you can determine whether you qualify for treatment at a Value Options Drug Rehab Treatment Center, you need to find out which programs are included in your plan.
Estimating Your Treatment Expenses
Even if you qualify for coverage from Value Options, you may still be responsible for some of your expenses. As you estimate your financial responsibility, consider the following factors:
- Type of Treatment – Some types of treatment are inherently more expensive than others. For example, if you require inpatient treatment, you will most likely pay more than you would have for outpatient treatment.
- Choice of Provider – Some programs may pay more toward your treatment if you choose a provider from the program’s network. Take this into account when you select your doctor and/or treatment facility.
- Deductible – Your program may include a deductible, which is the amount you must pay each year for your own medical expenses before you can receive benefits under your plan.
- Coinsurance – After meeting your deductible, you may need to pay coinsurance, which is typically calculated as a set percentage of the expenses you incur.
Determining your exact drug addiction treatment coverage from Value Options can be challenging. For answers to specific questions or to find a Value Options Drug Rehab Treatment Center near you, contact the company directly.