How can I use my State Farm insurance coverage to pay for drug and alcohol rehab?
State Farm may offer your health benefits directly, or the company may partner with another insurance company to deliver your coverage. That can make using your insurance policy a little confusing. You may not know whom to call, but your addiction care provider can help. Most treatment centers have dedicated staff members that can explain your health care coverage and get the paperwork you will need in order to use your benefits.
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Ranked number 41 on the Fortune 500 list of largest companies, State Farm is known for being a “good neighbor” and provides insurance coverage in five different fields: auto, home and property, life, business, and medical insurance. Heavily invested and involved in local communities, State Farm strives to make the world a better place with Good Neighbor Citizenship programs and a Green Mission that focuses on environmental impact and solutions. Offering primary medical insurance coverage for families and individuals without health insurance coverage elsewhere, such as through an employer, as well as supplemental insurance options, State Farm provides the following types of health insurance coverage:
Many people who struggle with drug or alcohol abuse or dependency may not seek or receive necessary treatment due to costs, lack of insurance coverage, or because they may not understand how to use the coverage they have. Alcohol and drug treatment programs usually save individuals, and society as a whole, money in the long run, and many facilities accept insurance as a method of payment.
Guide to Using State Farm Insurance for Substance Abuse TreatmentDrug and alcohol treatment centers generally have dedicated staff members on hand to help families and individuals better understand their health insurance coverage plans and how they might apply that coverage toward rehab and recovery programs. State Farm insurance agents may also be able to provide insight as to what specific plans cover and how the coverage works.
With a health maintenance organization (HMO) coverage plan, individuals are required to use providers that are considered in-network in order to receive services. Individuals first make an appointment with their primary care doctor who will then authorize or grant verification and refer patients to an in-network substance abuse treatment provider. Individuals may pay a copay for office visits and medical services, and out-of-pocket expenses may be subject to an annual deductible amount. The higher the deductible, generally speaking, the lower the monthly premium amounts.
Some plans even offer catastrophic deductible plans that have very low monthly fees, for those experiencing financial difficulties. These plans provide a safety net should large medical or unexpected expenses come up. Once the deductible amount is met, expenses may be covered at a higher percentage, or even completely. Generally, coverage plans also have maximum out-of-pocket amounts for each year, so individuals can know the maximum amount they might be expected to pay on a yearly basis.
With a preferred provider organization (PPO) plan, individuals may seek medical treatment from doctors or providers that are in-network or out-of-network, although fees and out-of-pocket expenses are generally higher for out-of-network providers.
To file a claim through State Farm, individuals have three main options: call the Health Response Center number, send the claim and itemized bill to one of the provided State Farm Insurance Companies addresses, or take the bill(s) to a local State Farm agent’s office to get help using the “Hospital Income Claim Express” method. Substance abuse treatment facilities, and State Farm insurance agents, can help individuals discover if their State Farm medical insurance will cover preventative treatment and drug or alcohol recovery services, and what the specific steps for finding and enrolling in a program might be. Even when insurance may not cover drug and alcohol treatment completely, rehab facilities often have flexible payment and funding options available.