Missouri Affordable Healthcare Insurance Coverage

February 26, 2016

If you are in the process of looking for health coverage in Missouri, it is imperative that you take into consideration your many options. It’s also important that you take into account the type of coverage that each plan provides for specific incidences, such as drug addiction treatment. With so many people suffering from substance abuse issues in the United States, it makes perfect sense that drug treatment coverage will prove to be of the utmost value. Here’s a closer look at the types of drug treatment services that are covered in Missouri by health coverage plans, but make sure you pick a plan that covers your most important needs.

Services Covered By Affordable Healthcare In Missouri?

One of the first things that you’ll notice when shopping for healthcare coverage in Missouri is that many of the plans cover a wide variety of substance abuse services. For example, almost all plans provide some kind of coverage for both inpatient and outpatient treatment. The exact amount of coverage is determined by the policy that you have as well as the facility and physician that you acquire services through. As to be expected, coverage for an in-network provider will usually be greater than coverage obtained through an out-of-network provider.

Specific Plans in Missouri

Coventry: Bronze $25 Copay Carelink

With this plan, you’ll enjoy 100 percent coverage for your substance abuse needs as long as services are provided through an in-network provider, after you meet your deductible. An out-of-network provider will likely cost you at a rate of 50 percent out-of-pocket. You will need a referral from a qualified professional to receive compensation for your substance abuse treatment services, such as a recommendation from your primary care provider to a treatment center. For inpatient rehab, you’ll have coverage for up to 60 days each calendar year.

MO Cigna Connect Flex 6400

Please keep in mind that if you want to use this plan to pay for substance abuse services, you will need to acquire them through an in-network provider. There is no coverage for out-of-network providers; however, it does provide an exception of two non-participating office visits. Both inpatient and outpatient services are covered at a rate of 60 percent as long as they are acquired through in-network providers.

MO Cigna Connect HSA Bronze 6000

This plan is another that doesn’t provide coverage for services acquired through an out-of-network service provider. When acquiring the services through an in-network provider, though, you will enjoy 100 percent coverage after your deductible is met. Like the plan mentioned before, this policy also comes with a two non-participating office visit exception, which is great if you need to acquire substance abuse services through an out-of-network provider, such as a physician that is providing you with a referral to a specific treatment center.

No matter the plan you choose to purchase, you will need to carefully examine the terms and features. Depending on your exact needs and preferences, you will likely find that one plan is better suited for you. Contact us today at RehabCenter.net for more information or for help getting into a treatment center and insurance plan that best suits your needs.