Tag: health insurance

Aultra Administrative Group Can Offer Coverage for Inpatient Rehab

aultra insuranceFinding an inpatient rehab center that is in-network with your health insurance policy can be tricky. The insurance companies that drug and alcohol addiction treatment centers work with can vary.

Not only this but each policy is unique with different benefits, deductibles, and co-insurance. Even policies from the same health insurance company can differ.

Aultra Administrative Group offers health insurance that could provide coverage for your addiction treatment, depending on which policy you have.

When seeking addiction treatment and mental health counseling, you can always contact the facility of your choice to determine whether the center is in-network with your insurance. By completing a pre-assessment with our admissions department at Lighthouse, we can see what you will qualify for and the financial amount that your insurance company will cover.

Understanding Your Coverage for Inpatient Rehab

When a health insurance policy does offer coverage for substance abuse services, it is important to understand the specific details in the policy as well as any out-of-pocket expenses that may be required. You may only be able to receive addiction treatment at specific inpatient rehab centers because those centers are the only ones in-network with your policy. If this is the case, you could elect to go to an out-of-network policy and pay either a larger deductible or completely out of pocket.

For example, Aultra Administrative Group may cover substance abuse facilities that are located in several states, but they may not cover every facility in these states. This is why you will want to reach out to the facilities that you have researched to find out if your plan is in-network with them.

Quality and Costs of Treatment

When choosing an inpatient rehab center for your addiction treatment, it is important to understand which treatment facility will offer you the best care for your specific needs. It is also just as critical to understand what costs are associated with your treatment. However, keep in mind that treatment is an investment in your mental and physical health. Think about how much your addiction has cost you directly and indirectly. Isn’t your recovery worth it?

Finding an Inpatient Rehab Center

If you have no idea where to begin when looking for an inpatient rehab facility, then consider doing a search online and browsing the websites of different centers. You can also ask for suggestions from counselors, outpatient centers, or members you may know from 12 Step meetings, like Alcoholics Anonymous or Narcotics Anonymous.

Finding a comprehensive drug addiction treatment program such as Lighthouse Recovery Institute, which provides individual programming, is the best place to start. Our admissions specialists can go over what your specific health insurance policy covers and if we are not in-network with your plan, we will help you find a rehab center that is.

The quickest and most effective course of action to take so that you can understand your substance abuse and mental health coverage is to submit your insurance information to our team of admissions specialists at Lighthouse.

You can complete our online contact form or call to speak to our admissions department at 1-866-308-2090.

Commonly Asked Questions about Aultra Administrative Group:

Does Aultra Administrative Group Pay for Out-of-State Treatment Centers?

Every insurance policy is different and has its own set of guidelines for coverage. Whether the insurance is an HMO, EPO or PPO will all vary on the type of treatment options available for drug treatment.

When you call Lighthouse to find out more about what your health insurance policy covers, our admissions specialists will be able to help you completely understand what is covered under your policy as well as what your options are. Our team can also determine whether or not you are able to receive out-of-state benefits under your health insurance policy for drug addiction treatment.

What Length of Time Will Aultra Administrative Group Cover Rehab?

Insurance policies provide authorization for coverage of drug treatment programs based on a term that is referred to as “medical necessity.” This is based on several factors, including medical conditions that have occurred as a result of your substance use, the amount of times you have received inpatient treatment within the calendar year, your level of motivation, and other factors that can be specific to the payer or Aultra.

By doing a comprehensive medical assessment, our admissions specialists can provide the information that you need, which may include how long your insurance policy will recover treatment at an inpatient rehab center.

Aultra Administrative Group Health Insurance will provide our team at Lighthouse with the necessary information to assist you or your loved one in your time of need.

Get Help at an Inpatient Rehab Center Today

Whether you have an insurance policy from Aultra Administrative Group or another health insurance company, Lighthouse wants to help you determine your benefits for substance use disorder treatment.

At Lighthouse, we understand that the process of getting into treatment can be very overwhelming. However, we will work with you every step of the way to make sure that you understand the process and what your coverage for treatment at a drug rehabilitation center like ours is. Contact us today and let us advocate for you to get the inpatient drug treatment you need to change your life! Call now at 1-866-308-2090.

Select Health Drug & Alcohol Rehab Coverage

Select Health Drug Rehab Coverage

Seeking professional help for addiction, alcoholism, or other harmful behavior is frightening. For most people, it’s the hardest thing they’ll ever do. This is true of seeking help for yourself, a significant other, or a loved one.

Adding to the mix of fear, confusion, and anxiety is the question of whether insurance will cover rehab. With treatment centers becoming increasingly expensive, it’s difficult to cover their costs without some assistance from your insurance carrier.

select health drug rehab

Thankfully, Lighthouse Recovery Institute knows how difficult going to treatment is. Most of our staff are in recovery. We’ve been where you are. We’ve come out the other side and can tell you, with 100% confidence, that getting help is easier than you think!

To that end, we’ve complied a handy set of guides about many insurance carriers and whether they’ll cover rehab. Sit back and find information on Select Health drug rehab coverage below!

Will Select Health Cover Drug Rehab?

This is a pretty frequently asked question. “Are there approved Select Health drug treatment centers,” or “Is there a Select Health alcohol rehab I can go to?”

The short answer is yes, Select Health does cover drug & alcohol treatment. The long answer is, well, longer.

Select Health drug treatment coverage ranges from inclusive to partial. Sometimes they’ll completely cover rehab. Sometimes they’ll cover 80% and leave you to cover 20%. Sometimes they’ll cover much less than that. It all depends on the type of coverage you have.

Thankfully, our trained admission coordinators are skilled in figuring this out. Give Lighthouse a call today at 1-844-I-CAN-CHANGE or 1-(561)-381-0015 and we can tell you exactly how much Select Health drug treatment coverage you have.

How Long Does Select Health Drug Treatment Coverage Last For?

This is another frequently asked question! After finding out how much Select Health drug treatment coverage they have, people want to know how long their coverage will last. That is to say, will Select Health cover a week of treatment, a month, or more?

The bad news is that this isn’t so easily answered. The good news is that, once again, our outreach coordinators will be able to figure out the exact length of Select Health drug rehab coverage you have.

Call us at1-844-I-CAN-CHANGE or 1-(561)-381-0015 to speak to someone who can tell you the in’s and out’s of your specific Select Health drug rehab coverage. You can also fill out an online form.

Inpatient vs. Outpatient Select Health Drug Rehab Coverage

And here we reach the age-old debate of inpatient vs. outpatient treatment. While inpatient treatment is how most people think of rehab, there are other forms of treatment. Most popular among these is intensive outpatient treatment.

So, is there inpatient Select Health alcohol rehab? What about outpatient Select Health alcohol rehab? The good news is that yes, there absolutely are both these options.

Select Health drug treatment coverage usually extends to both inpatient and outpatient rehab. However, to be safe, you should speak to your insurance provider or to one of our outreach coordinators. They’ll both be able to tell you exactly how much Select Health drug treatment center coverage you have.

How to Pay for What Select Health Doesn’t Cover

select health alcohol rehab

Substance abuse treatment isn’t cheap. While insurance will, generally speaking, pay for most of it, there’s the question of how to pay for the remainder. Thankfully, there are multiple options.

You can get a loan from your local bank. In today’s world, more and more financial institutions are offering “treatment loans.” Speak to your banking representative to learn the in’s and out’s of these.

Most treatment centers offering payment plans and financing options. These are either done in-house or through third party institutions. Here at Lighthouse Recovery Institute, we offer affordable in-house financing and payment plans. Call us at 1-844-I-CAN-CHANGE or 1-(561)-381-0015 to learn more!

Verifying Select Health Drug Rehab Coverage

Are you wondering if Select Health drug treatment coverage applies to you? Call Lighthouse today at1-844-I-CAN-CHANGE or 1-(561)-381-0015. You’ll be connected to one of our compassionate and expert admission coordinators. They’ll be able to answer any and all questions you have about Select Health drug rehab.

Your information will be kept 100% confidential. Call today!

The End of Rehab?

The End of Rehab or the Start of a New Chapter?

As 2014 fades into the history books and 2015 looms right around the corner, we’re poised to see some major changes occurring in healthcare.

obamacare and rehab

Since its inception in 2008, The Affordable Care Act, better known as Obamacare, has shaken up the world of medicine. From its promise to insure every American to its promise of affordable copays and deductibles, the ACA has some big shoes to fill.

So far, with the exception of the temperamental Healthcare.gov website, Obamacare has done pretty well. It got rid of preexisting conditions. It expanded Medicaid coverage. Between 2013 and 2014, it’s estimated that 3.8 million people received health insurance thanks to the ACA. Estimate or not, that’s nothing to scoff at.

Okay, the Affordable Care Act has, generally speaking, brought positive change. What about addiction medicine, though? How does that factor into President Obama’s insurance overhaul? More importantly, why are some people proclaiming the end of rehab as we know it?

The NFL’s drug problem

How Obamacare Already Changed Rehab

In the brief two years it’s been around, Obamacare has already brought some major changes to addiction treatment. First and foremost, it got rid of preexisting conditions. This means that insurance companies can’t deny people coverage based on any illness they already have.

Today, substance use disorders are considered one of the ten elements of “essential health benefits.” Score one for addicts and alcoholics across the country!

Next, the ACA expanded parity rules. These are the rules governing how insurance companies cover mental illness and addiction treatment. This expansion took the form of the 2008 Mental Health Parity and Addiction Equity Act.

This law evened the playing field for addicts, alcoholics, and those with mental illness. Prior to this, deductibles, copays, and annual visits to treatment centers were held to a different standard than non-addiction medicine. After the law was passed, both the financial and treatment components of addiction medicine must be equal to any type of non-addiction medicine.

According to a 2013 estimate by the U.S. Health and Human Services Department, this expansion of parity rules will increase mental health and substance abuse benefits for as many as 31 million people. That’s a lot of people!

It’s plain to see that the ACA has already brought some significant change to how addiction is treated in America, but what does the future hold for Obamacare and rehab?

[BLUECTA title=”Addiction is not a choice!”]866-205-3108[/BLUECTA]

How Obamacare May Change Rehab

Here’s where things start to get controversial. This is also when we leave the world of concrete facts and venture into educated guesses.

Now that substance use disorders fall into the category of essential health benefits, some sources suggest that rehabs will change how they operate. Kevin Kunz, the Vice President of the American Board of Addiction Medicine, is quoted as saying,

“We could put a ‘rehab’ center on every corner in America and it would not treat this problem…What will change it is the integration across health care of the knowledge this is an expensive in all ways, preventable and treatable illness” (from the KCRW site).

This “integration across health care” may take the form of treatment centers moving from spiritual and twelve-step modalities to a cut and dry scientific approach. It’s also thought that treatment will shift from specialty facilities to individual’s primary care doctors.

affordable care act and rehab

What’s cotton fever?

While there’s nothing wrong with incorporating science and spirituality, it’s sure to ruffle some feathers. After all, a spiritual and twelve-step approach offers some significant benefits. Consider that Alcoholics Anonymous has helped millions of men and women recover from addiction and alcoholism. Consider they boast a membership that’s upwards of two million people.

Now, what about the shift away from treatment centers in favor of primary care physicians? There’s nothing wrong with this on paper. In fact, it appears to offer some benefits. Primary care doctors know their patients, their patient’s family, and their patient’s history. They should be able to offer more insight than a doctor who knows nothing about a particular patient.

Sounds good…in theory. In practice, these general care doctors may not know enough about addiction to offer meaningful care. They haven’t been trained in addiction or mental health medicine. This could lead to things like overprescribing potentially dangerous medications (think Suboxone and the like) and misdiagnosing mental illness.

After all, what good is having access to addiction treatment if the treatment itself stinks?

Learn these 7 sober life hacks!

We are here to support you during your time of need and help you make the best decision for yourself or your loved one. Click below to speak to a member of our staff directly.