United Healthcare Rehabs In Georgia – Insurance Coverage
When you’re looking into treatment facilities for substance abuse and/or mental or behavioral health, you’re obviously trying to fit it within your own personal budget. Avoid overlooking the fact that health insurance can cover a portion of your treatment costs.
Addiction treatment coverage is offered through individual United Healthcare plans in Georgia. You can choose from a variety of insurance plans that will help you pay for treatment, turning it from something you’re trying to make work to something you can start.
United Healthcare Insurance in Georgia
United Healthcare gives you the choice of a regular Compass insurance plan or one with a health savings account. There are bronze, silver, gold, and platinum plans. These designate the amount of money you will need to pay toward your care in relation to the amount the insurance will cover. Most of the time, the higher the level of the plan, the more of the costs it covers and the higher the premium will cost for you every month. If you expect to have expensive treatment costs, the higher level plans might make sense because they will cover more care.
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With these insurance plans, you need to find a treatment facility within the Compass network, as the plan will not cover the costs of one outside of it. All of these United Healthcare plans cover both inpatient and outpatient care for substance abuse, mental, and behavioral health treatments.
Plans in Georgia
All of the Georgia United Healthcare plans are HMO based. While these plans require you to get a referral for specialty services to have a higher amount covered, the cost is the same for mental health, behavioral health, and substance abuse. This is true whether or not you have a referral from your primary doctor. Your plan might be somewhat different from these specifics, but this information gives you an idea of the plans offered in your state:
Compass Plans
The Bronze Compass 4200 plan requires a 30 percent co-insurance for inpatient and outpatient services after the deductible is paid.
The Silver Compass 2000 plan comes with a $40 co-pay for each outpatient facility visit or a 25 percent co-insurance after the deductible for inpatient care. With the 5000 plan, expect to pay a $25 co-pay for outpatient visits or a 20 percent co-insurance for inpatient facilities after the deductible.
The Gold Compass 1000 plan requires a $20 co-pay for an outpatient visit or 20 percent co-insurance for inpatient care after paying the deductible.
With the Platinum Compass 250 plan, there is a $15 co-pay for an outpatient facility visit or a 10 percent co-insurance for inpatient treatment after the deductible.
Compass HSA Plans
The Bronze Compass HSA 5000 plan costs you a 10 percent co-insurance for outpatient services or a 0 percent co-insurance for inpatient services, both after the deductible is covered. The only service that changes if you don’t have a referral is inpatient care for mental and behavioral health, which goes up to a 10 percent co-insurance without the referral. The Bronze Compass HSA 6275 plan comes with a 40 percent co-insurance for both inpatient and outpatient services.
The Silver Compass HSA 3600 plan requires a 0 percent co-insurance after you have paid the deductible. This amount is for both inpatient and outpatient services. Last, but not least, is the Gold Compass HSA 1300 plan, which costs a 10 percent co-insurance for inpatient and outpatient services once you have taken care of the deductible.
When choosing a plan for your healthcare needs, think about how much you will need to spend on monthly premiums, out-of-pocket costs, the deductible, and how that relates to the portion of care the insurance company will cover.
