Gold plans with Friday Health Plans are good if you use your insurance frequently. While these plans have the highest monthly premiums, they offer the lowest deductibles. Gold plans may offer free in-network doctor visits and mental health visits, and may cover medication in recovery.
Friday Health Plans’ silver plan is good if you do not visit the doctor often. These plans have lower deductibles which can benefit those with families. They may also offer free unlimited mental health visits and medication coverage.
Bronze plans with Friday Health Plans are suitable for those who rarely get sick and want basic coverage. These plans offer low monthly premiums and offer benefits such as unlimited mental health visits.
A catastrophic plan with Friday Health Plans is for people under 30 years old. They are basic but can be helpful in case of an emergency.
Inpatient addiction treatment typically lasts 30 to 90 days. But, sometimes, it can last longer depending on a person’s needs. Inpatient treatment is often the best treatment for recovery since a person lives in the facility and away from the triggers to use.
Outpatient treatment is beneficial for people with a “mild” addiction or as the final step of a step-down treatment plan. It typically consists of one or two therapy sessions a week. Depending on your insurance policy, Friday Health Plans may cover the entire cost of outpatient treatment.
An intensive outpatient program or IOP may require a person to attend therapy three or more times a week. People spend up to 20 hours a week in individual and group therapy. They learn relapse prevention skills and other tools for lasting recovery.
A PHP or partial hospitalization program is the next step after completing inpatient treatment. The intensity of therapy is similar to inpatient treatment. However, people live at home and can attend work and school.
Medication-assisted treatment, or MAT, can help people with hard-to-manage addictions and lasting withdrawal symptoms. MAT programs use FDA-approved medications, which are typically available in generic form. Many policies cover at least some of the cost of medications, especially if it’s medically necessary.
To determine the best treatment, each person undergoes a complete evaluation to assess their needs and any co-occurring mental health disorders.
Some insurance plans require people to seek treatment at an in-network center. Other plans may cover out-of-network addiction treatment. However, it is typically less expensive to attend in-network treatment. Being aware of the out-of-pocket costs can help you choose the right facility.