Using Kaiser Permanente Insurance to Pay for Drug Rehab
How can I use my Kaiser Permanente insurance to pay for drug treatment?
Visit your doctor to discuss your addiction. Your doctor can assess your health and refer you for treatment. You may be asked to get treatment in a Kaiser Permanente facility, or you might be referred to a specialized substance abuse treatment facility.
With 9.6 million members in 2014, approximately 17,791 doctors and 659 medical offices, hospitals, and facilities, Kaiser Permanente is a top-tier, not-for-profit health plan service and healthcare provider.
Kaiser Permanente has close ties to the local communities, investing large amounts of money and expertise into community outreach. Kaiser also creates new technology, conducts extensive medical research, and focuses on ensuring the overall wellbeing of members to create a healthier society.
As a company, Kaiser Permanente boasts high quality ratings by providing comprehensive, competent, and low-cost healthcare to as many people as possible. Kaiser Permanente offers health insurance plans to employers as group coverage, as well as to families and individuals as private insurance. Kaiser also provides Medicare coverage for seniors over the age of 65. Offering coverage in eight states (Washington, Oregon, Colorado, California, Hawaii, Georgia, Virginia, and Maryland), as well as the District of Columbia, Kaiser Permanente is one of the primary healthcare providers in the United States.
How to Use Kaiser Permanente Coverage
Individuals who live within a Kaiser Permanente coverage area, and have a Kaiser Permanente healthcare plan, may choose a Kaiser Permanente healthcare provider at kp.org and may change doctors at any time. Appointments can be made online or over the phone. Minor health concerns may be addressed via email communication with a doctor’s office; health records and notes may also be viewed online; and nurses are available for medical advice 24 hours a day, seven days a week.
The first step to seeking treatment for a substance abuse or dependency concern is often an initial meeting and conversation with your primary Kaiser Permanente doctor.
Individuals can set up this meeting or appointment over the phone or online, or email the doctor’s office.
Individuals can find covered treatment providers for counseling or therapy services using the locator tool. An advice nurse is also available by phone around the clock, as is a wellness coach between the hours of 6 a.m. and 7 p.m., for discussion about individual mental health goals and options; the numbers for both can be found on the website. Kaiser Permanente medical centers also provide classes and programs as well as support groups on a variety of mental health topics, including chemical dependency. For urgent care or medical emergencies, individuals should proceed to the nearest hospital, Kaiser Permanente medical center, or call 911.
Depending on medical necessity, a primary care physician (PCP) may refer or authorize individuals for further treatment, after an initial assessment, in a specialized substance abuse treatment facility. When a mental health or medical disorder co-occurs with substance abuse, treatment may more readily be deemed medically necessary for recovery. About 20 million Americans suffer from a substance use disorder, according to the National Alliance on Mental Illness (NAMI), and of those, over 10 million also battled a comorbid mental illness. Integrated treatment models where mental health and medical professionals work together to achieve recovery goals are generally accepted to be optimal care plans.
Drug and alcohol treatment centers often have professionals who understand the complexities of insurance and how to help individuals use their coverage to pay for services.
When treatment is not entirely covered, these same professionals are likely to have suggestions on alternate funding.
The Affordable Care Act (ACA) made mental health and substance abuse treatment one of the 10 essential health care benefits to be covered under most healthcare plans, meaning that insurance providers are to treat them as they would a surgical or other medical procedure. This law enhanced coverage for more people throughout America and offers protection to those battling substance abuse and/or mental illness.
Scope of Coverage
What is covered specifically may depend on the individual coverage plan, as each may have different rates of coverage for services. Kaiser Permanente labels substance abuse treatment services as “chemical dependency services,” and some of the typical treatment services may include:
- Outpatient treatment
- Intensive outpatient treatment
- Inpatient treatment
- Transitional recovery services
One example of standard coverage may be the Kaiser Permanente Platinum HMO plan for California. This plan covers medical detox, which may include pharmacological methods, to manage medical withdrawal from drugs or alcohol in a Plan Hospital and with Plan Physician services. Room and board, medical services, medications, education, recovery services, and counseling may all be included. Individuals will pay a copay of $250 per day, up to a maximum of $1,250 per stay under this plan.
When you add up alcohol, drug, and tobacco dependency or abuse costs to society as a whole, it comes to more than $700 billion per year in healthcare costs, lost workplace production, and law enforcement and legal costs, according to the National Institute on Drug Abuse (NIDA). As a result, substance abuse treatment is often a wise investment.
Specific Plan DetailsThere are three main types of health plans offered by Kaiser Permanente: group or employer-based plans, family and individual plans, and Medicare plans. Plans may vary from region to region and state to state.
Employer-based, or group, plans are offered to businesses that provide health insurance to their employees, often with premiums deducted from paychecks directly.
Group plans through Kaiser Permanente may include:
- Traditional or deductible plans: These plans have set monthly amounts, and copays may be necessary. Fees may be paid by the plan participant until deductibles are met, and generally, there is an out-of-pocket annual maximum amount.
- Preferred Provider Organization (PPO) plans: These plans may be optimal for individuals who don’t reside in a Kaiser Permanente service region or who wish to use out-of-network providers. Coverage can be maintained at a higher rate when non-preferred physicians are used, and in-network coverage costs less.
- Point-of-Service Plans: This type of comprehensive coverage plan allows individuals to use in-network Kaiser Permanente providers and network-contracted providers, or pay more for out-of-network providers. It is a combination of an HMO and PPO plan.
- Out-of-Area Plans: Individuals living outside of a Kaiser Permanente coverage area can receive healthcare services without a referral. Preventative services are typically covered, and other services may be subject to cost-sharing or a deductible amount.
- Consumer-Directed Health Plans: Several options are available, including a health reimbursement account (HRA) plan where employers contribute for qualified medical expenses, a health savings account (HSA) plan that is a tax-free account set up by individuals to pay for medical expenses (employers may also contribute), and a flexible savings account (FSA) where individuals make contributions that are considered pre-tax, toward their medical expenses.
- Deductible plans: With maximum caps, services are provided for a fee until the deductible is met, and many services have a copay as well. Preventative services may be completely covered.
- Copay plans: Preventative services are covered, and there is no deductible amount for these services, though they are subject to a copay for office visits and services rendered. This a comprehensive coverage plan that may incur higher monthly premiums.
- Health Savings Account (HSA) plans: These plans have a combined pharmacy and medical cost deductible, and all costs are out of pocket until the deductible is reached. Costs are then covered at a percentage until the maximum out-of-pocket cap is reached. A health savings account can be set up to for a tax break on medical costs.
- Deductible Catastrophic: Individuals with financial hardship may qualify for this plan in most coverage regions. It covers up to three doctors visits a year completely. Then, all additional fees are out-of-pocket expenses until the annual maximum deductible amount is reached. Many preventative services are covered at no charge as well.
Medicare is federal insurance coverage for adults over the age of 65, and Kaiser Permanente Medicare plans may provide more options than standard Medicare. Plans include the Kaiser Permanente Senior Advantage and the Senior Advantage Basic, which are HMO plans that vary according to the coverage region and plan selected. Most coverage will have low copays for services and prescriptions, with no copay for most preventative services. For seniors seeking substance abuse treatment, a trained insurance professional at a specialized treatment center can help individuals understand their coverage and how it may be used to pay for services.
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