Alcohol And Drug Rehab Centers That Accept Health Alliance Insurance
Serving members in Washington State and Illinois, Health Alliance Insurance Group offers three different types of individual insurance:
- HMO (Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- POS (Point of Service)
Health Alliance also provides health insurance plans for federal employees and Medicare recipients, and like many health insurance providers, Health Alliance has a strong focus on preventative health and wellness benefits. It’s no secret that insurance companies far prefer to provide perks to members who take preventative steps rather than cover expensive treatments for what could be preventable health problems.
In keeping with the spirit of prevention, Health Alliance offers perks for health and wellness initiatives of members. These include things such as:
- Rally, a digital health experience with online tools, personalized plans, and a rewarding mobile app to help members stay on track with healthy habits and activities.
- Smoking cessation programs, which include one-on-one coaching, a personalized quit plan, interactive tools to quit, and an online learning and support community.
- Assistance across the United States, including medical referrals, emergency medical evacuation, medical repatriation, and prescription assistance, among other benefits available when traveling outside the member’s home state.
- A twenty-four-hour nurse line to determine the seriousness of the situation and to find the closest provider for immediate care and treatment.
- Discounts for membership at select athletic clubs, gyms, and weight loss centers.
Notably absent from the stated initiatives of Health Alliance are substance abuse, mental health, and behavioral health. While substance abuse treatment is a covered service subject to deductibles, coinsurance, and copays, Health Alliance specifically does not advertise any extra efforts to combat or help treat addiction for their members. Therefore, it is incumbent upon members to gather and understand all information pertaining to addiction treatment on an individual basis.
Special and detailed attention should be given to the following:
- Does your Health Alliance plan cover experiential and ancillary therapies provided in treatment, such as music and art therapy, equine assisted therapy, acupuncture, yoga, and neurofeedback? Most insurance companies will cover what they consider non-essential services as a part of addiction treatment but not on their own. It is important to be sure this is the case with your Health Alliance policy.
- Are any medically assisted treatments for opioid addiction covered by your plan? Medications like methadone and buprenorphine have been established as effective treatments in conjunction with addiction treatment or counseling. Although they are not expensive medications, you should know if the treatments required for the use of these medications are covered under your plan.
- Will you be able to get outpatient treatment as aftercare, once you have completed an inpatient program? Most insurance companies are faster to pay for outpatient treatment before an inpatient program. However, since outpatient is a recommended stepping down of intensity from inpatient for many recovering from addiction, it is good to know if your Health Alliance healthcare plan will facilitate that need.
How Important Are Health Alliance Insurance Benefits?
Any help which can reduce your financial burden for addiction treatment is very important. Addiction treatment can be a life-saving process, and without an effective program and recovery plan, addiction will get worse and could lead to fatal results.
With the high price tag of addiction treatment, the assistance of a health care provider paying for 80 percent (or even 30 percent) of the cost can make a tremendous difference in your ability to afford a better program with therapies and an approach which may be more effective for you. Even if your Health Alliance plan is not the most comprehensive for substance abuse and addiction treatment, help now is better than doing nothing, and remember: deductibles and benefits reset each year.
The health insurance benefits you have should be used to their full capacity for addiction treatment. Unlike a voluntary procedure, treatment is a necessary and lifesaving process intended to help people suffering from addiction to change destructive habits of the past to make way for a sober and healthy future.
At AllTreatment.com, we understand how complicated it can be to know and clearly calculate the financial benefits of health insurance, and that’s why we’re here. We can verify your benefits and discuss the most efficient ways they can be used in addiction treatment. Understanding how confusing addiction treatment can be, we will help you understand it all, enabling you to make a decision that best suits you, your family, and your needs. Your Health Alliance insurance plan can help you find the short list of covered addiction treatment services, and we can help you make the most of what you have, for the best rehab experience to lay the groundwork for your sustained health and recovery.