Iowa Affordable Healthcare Insurance Coverage

February 26, 2016

Addiction is a complex illness that can impact people from all walks of life. Anyone who is suffering from addiction requires treatment at a qualified facility that offers access to recovery specialists and medical professionals. This is a disease that cannot be overcome without first identifying the root cause of addiction, and then creating a plan that helps a person move forward in life. Many people need medications, counseling, and recreational outlets as they embark on their journey toward sobriety. Unfortunately, many people who are addicted do not get the treatment that they need. It’s imperative that people in Iowa understand that many health insurance policies — including those policies that fall under the Affordable Care Act — provide coverage for substance abuse treatment services and behavioral health care.

Iowa Affordable Healthcare Insurance Coverage

In each state, different providers offer plans under the Affordable Care Act that individuals can purchase for themselves as well as for their family. The plan premiums and deductibles will vary based on the age of the person and the number of dependents that will be covered under the plan. For example, in Polk County, Iowa, there are two different providers that offer Affordable Healthcare plans. Residents in this county can choose from 35 different plans, and determine which insurance policy offers them the coverage they need for addiction treatment services.

Substance Abuse Treatment Coverage in Iowa Under the Affordable Care Act

Aetna Health Inc. is one insurance provider that offers policies under the Affordable Care Act for individuals and families to purchase. One policy that is available is the Coventry Silver $10 Copay UnityPoint Health Des Moines. An individual who purchases this plan will have a deductible of $3,500 per year, while a family has a deductible of $7,000. The maximum out-of-pocket costs are $6,250 for an individual and $12,500 for a family. This plan provides coverage for both inpatient and outpatient substance abuse treatment services. When a patient selects an in-network provider for inpatient care, they are required to pay a $500 copay upon admittance as well as 30 percent coinsurance fee. There is a 50 percent coinsurance fee for an out-of-network provider. For outpatient care at an in-network treatment center, patients pay a $75 copay per visit and their deductible is waived. There is a 50 percent coinsurance fee if the patient selects an out-of-network outpatient provider.

United Healthcare of the Midlands also offers Affordable Healthcare policies in Polk County, Iowa. One plan that is available is the Silver Compass HSA 3000. An individual has a deductible of $3,000 under this plan, while a family has a $6,000 deductible. Maximum out-of-pocket costs are $6,500 for an individual and $13,000 for a family. Under this plan, patients can receive treatment at an inpatient rehab center as well as an outpatient rehab center for a 0 percent coinsurance fee once the deductible has been met. Coverage is only available for in-network treatment centers.

Treatment Options Available in Iowa

There are many rehab centers in Iowa, with each facility offering different types of treatment services for its patients. At a residential treatment center, patients will find that they can stay for 30, 60, 90, or 120 days while they recover from their addiction. An outpatient treatment facility typically specializes in counseling services for its patients. In addition, patients can consider a holistic treatment center that provides alternative treatment services, such as acupuncture, yoga, art therapy, or even equine therapy.

Find Out More Information About Rehab Centers Near You

It’s important to note that you do not have to begin your recovery journey alone. At RehabCenter.net, our caring counselors and recovery experts are available to help you find the treatment facility that will meet your needs and exceed your expectations. When you place your confidential call, someone will answer who is ready, willing, and able to assist you. We will help you find a rehab center in your area that offers the services you require and also accepts your Affordable Healthcare insurance policy. For more information on how we can help, call us now.