Finding the right insurance plan for rehab and addiction treatment can be tricky. In particular, PPO policies are not always accessible to everyone.
We find out what you need to look out for when selecting a PPO policy for rehab.
What’s Preferred Provider Organization (PPO) Insurance Cover?
A preferred provider organization is an insurance policy that allows you to visit any doctors, hospitals, and other health care providers to provide medical services of your choice.
When your insurance policy states that you are covered under PPO, then you can choose from a wide range of services, such as primary care, specialty care, mental health, dental, vision, pharmacy, rehabilitation, and sometimes even long-term care.
However, this does depend on your insurance policy.
The freedom to choose your doctor and the medical facility does come at a cost.
Typically, PPOs have much higher monthly premiums than standard insurance plans.
Saying this, with a PPO your deductibles will be lower, so you would need to pay a lower amount yourself before the insurance starts paying.
Depending on the type of plan you have, you can expect an insurance company to cover 60% and 90% of medical services.
However, there may be exclusions specific to your policy. For example, some insurers specifically exclude rehab costs.
Benefits Of PPO
A PPO policy covers you for several different health treatments. Here are some of the main benefits of PPO health insurance.
Access To Local Facilities
If you live in a rural area or if you do not want to travel far away to get treatment, then it makes sense to look into getting a PPO health insurance policy.
With a PPO, you can access local facilities without having to worry about traveling too far or paying too much.
You can also use the same network of doctors, nurses, dentists, and other health professionals.
This means that you can save money by going to one location instead of multiple locations.
Access To Rehab Programs Suitable For You
Another benefit of using PPO health insurance is that you can find a rehab program that is suitable for you.
This way, you can make sure that you are receiving the best possible help while staying within your budget.
One of the biggest advantages of a PPO health plan is that you have greater freedom in choosing the care that is right for you.
Although this freedom does come with a higher premium, your deductible payments with a PPO policy will be much lower than with a standard plan.
Does PPO Cover Substance Abuse And Addiction Treatment?
Yes, it depends on what kind of substance abuse and addiction treatment you require.
Here are some of the parts of a rehab program that an insurance company with PPO plans will cover.
An inpatient treatment program is where you stay in a hospital-like setting for a period of time.
During this time, you receive individualized therapy sessions and group counseling sessions.
There are many reasons why people go through inpatient programs. Some of these include:
- To deal with the physical effects of alcohol or drug abuse
- To learn how to cope with life without drugs or alcohol
- To address underlying issues that led to their addiction
Inpatient medical care, also known as residential treatment, is typically the most effective for addiction and substance abuse treatments.
An outpatient program is usually less intensive than an inpatient program. It involves meeting with a therapist at least once a week, attending support groups, and participating in self-help activities.
The goal of an outpatient program is to teach you coping skills and provide you with tools to manage your recovery.
Some people prefer outpatient care because they feel more comfortable leaving home during the day, and it gives them more flexibility.
How Do You Find Out What Your PPO Covers?
Before purchasing a PPO health insurance, you should know exactly what services are covered under the terms of the contract.
For this reason, it is worthwhile going through the following even before you buy your policy.
Read Your Policy Carefully
It’s important to read all the fine print of your policy carefully so that you understand what your policy covers.
Make sure that you read through any specifics related to the PPO, and check for any particular rules or requirements you need to fulfill to receive the full benefits of the PPO.
Check For Exclusions
If there are any exclusions or limitations on coverage, make sure that you understand them fully. If you don’t, you may not get the benefits that you expected from your policy.
Speak To Your Insurance Company
If you are not sure about anything in your PPO policy, then it is best to contact your insurer and check with them. They can help clarify any questions you might have.
But even before buying a PPO health insurance policy, it is important to do thorough research and find out what your PPO policy covers.
This way, you will know whether or not you are getting enough coverage for your needs and budget.
How To Choose A Rehabilitation Center?
One of the biggest advantages of a PPO insurance policy is that you can freely choose the rehab facility and program that is right for you.
However, choosing a rehabilitation center is not easy. You need to know what type of treatment you want.
It is important to choose a facility that has experience treating patients like yourself.
Also, you should consider whether you want to attend a private or public facility.
Private facilities tend to cost more, but they offer better patient services.
In comparison, public facilities are cheaper, but they often lack the resources necessary to treat serious addictions.
Also, it is important to look into the reputation of the rehab facility. This is especially true if you are looking for a long-term treatment option.
When it comes to finding the right PPO plan, it is important to take time to compare different plans and policies.
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