A person struggling with addiction typically needs treatment to achieve recovery. But, for many people, the cost of treatment stops them. An insurance policy with Friday Health Plans can help cover the cost. Friday Health Plans started in 2015. They aim to provide affordable and simple health insurance to individuals and small businesses. Plans include valuable benefits, including unlimited free mental health visits.
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.
Friday Health Plans does offer some level of coverage for drug rehab. The amount of coverage depends on your insurance plan, the state you live in, and various other factors. Since each addiction treatment program has a different treatment intensity, they also have different costs. Finding in-network drug rehab can increase the amount covered.
If you are seeking alcohol rehab, Friday Health Plans can help you cover some or all of the cost. The Affordable Care Act (ACA) requires insurance companies to include mental and behavioral health disorder treatment coverage. This includes alcohol addiction treatment.
Addiction treatment often consists of a combination of inpatient or outpatient programs and psychotherapy. Treatment plans are personalized to the individual’s needs and the severity of the addiction.
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.
Many people with substance use disorders also struggle with co-occurring mental health disorders such as anxiety and depression. One benefit of Friday Health Plans is most plans cover some, if not all, mental health treatments. Treating addiction without treating mental health issues and vice versa typically leads to relapse.
Friday Health Plans offers addiction treatment coverage. This coverage depends on many things, but mostly your health plan. Each plan level offers a different percentage of coverage and may include the following:
Since cost is the most significant determining factor in seeking treatment, a person should verify their coverage and out-of-pocket expenses before entering treatment.
Dealing with the insurance company can be overwhelming when you are fighting to get free of drugs or alcohol. It can make an already stressful situation even more stressful. At Magnolia City Detox, we handle all the insurance paperwork for you so you get the coverage you need for treatment.
Dr. Olaniyi O. Osuntokun is a Neurology & Psychiatry Specialist based in Conroe, Texas, and Lafayette, Indiana. He has extensive experience in treating Individuals with substance use disorders and addiction. He earned his medical degree from University of Ibadan College of Medicine and has been in practice for more than 20 years.