Alaska Affordable Healthcare Insurance Coverage for Addiction Treatment

February 26, 2016

Living in Alaska and seeking treatment for a health concern requires the right type of insurance coverage. When an employer does not offer a health insurance policy or you are refused coverage from a privatized plan for any reason, Obamacare (Affordable Healthcare) policies offer solutions that help you address the situation and get the protection you need to seek treatment for physical or mental health challenges.

Obamacare Policies in Alaska

Policies that comply with the standards set in Obamacare offer the tools to address personal health concerns and goals. In Alaska, residents can work with Moda Health or Blue Cross Blue Shield to find the right plan at an affordable rate.

Obamacare policies have a variety of price ranges based on personal income level. In Alaska, a tax credit applies to different income levels based on the needs of the individual or family. While the exact costs can vary, Alaska insurance providers offer Bronze, Silver, and Gold policies.

Silver policies in Alaska are generally standard plans. It offers reasonable coverage and mid-range deductibles to help with the costs of treatment. The monthly expenses vary based on the plan, but you can expect reasonable rates that generally range from $130 to $200 per month if you qualify for a tax credit. Costs increase when you raise your income, so expect some variation in the prices. The coverage for a Silver plan is usually reasonable at roughly 70 percent of the costs of treatment.

Bronze policies are basic plans that offer coverage for most emergencies and health concerns. The policies usually offer low monthly costs, like $50 to $150 per month, depending on your income level, but they also have higher out-of-pocket costs. For example, a plan can have a deductible of $6,000 to $6,800 before coverage applies to certain situations. It also has a lower coverage amount, such as covering only 60 percent of treatment costs, so it is most appropriate when you do not expect many health concerns and want to protect against emergencies.

Gold policies are more comprehensive plans that address most healthcare needs. Generally, the policy has a higher monthly cost, such as $280 to $300 or more, but it also offers low out-of-pocket expenses. A Gold plan will usually cover around 80 to 90 percent of treatment costs and it has a lower deductible than Bronze or Silver policies. For example, it might have a deductible of $750 per month or less. Gold plans are usually appropriate when you expect more healthcare costs and have more frequent medical appointments.

Basics of the Affordable Care Act

The Affordable Care Act is also called Obamacare and it refers to new laws related to healthcare and recovery. It impacts Alaska residents as well as insurance providers because it sets clear standards for coverage and penalties for individuals who do not obtain some form of insurance coverage. The positive aspect of the Affordable Care Act is the impact on insurance coverage. Obamacare policies offer reasonable monthly costs and rates for insurance coverage. The policies also accept individuals, even if they have pre-existing health concerns.

Affordable Policies and Treating Addiction

Obamacare policies offer reasonable costs and coverage, which includes solutions for addiction recovery. Due to the standards and laws associated with the Affordable Care Act, individuals have tools to address substance abuse. The policies allow individuals to seek treatment in outpatient and inpatient programs based on their needs and health.

While the policies offer coverage for mental health disorders and addiction, the best treatment plans for personal needs will vary. Use the policy to identify appropriate in-network programs that take a holistic approach to recovery. Avoid out-of-network programs, since policies can exclude coverage to certain facilities. Follow any standards set by the policy to ensure that the recovery process stays within a personal budget.

Selecting a Plan

The best insurance policy for your needs in Alaska depends on the situation and your goals. You want to compare a variety of policies before you finalize a plan to ensure that you can seek treatment for substance abuse or any health concerns that arise. For more details about Obamacare and the affordable policies available in Alaska, use the tools at RehabCenter.net and compare the options available for your goals.