Health Choice Health Insurance for Drug and Alcohol Rehab in California
Health Choice health insurance for drug and alcohol rehab in California provides options for families and individuals with coverage. Health insurance plans cover treatment for drug and alcohol addiction. However, the extent of coverage varies and depends on the plan type. Health Choice offers a network provider directory, which is made up of doctors, hospitals, and other health care providers and facilities. These providers have agreed to offer negotiated rates for services for insured individuals. The most common networks are Health Maintenance Organization plans and Preferred Provider Organization plans. An HMO allows patients to choose their primary care physician and see that doctor for most of their medical needs. Preferred Provider Organization plans allow patients to see healthcare providers in and out of their network without referrals.
The rehabilitation process for someone with health insurance is no different than if someone did not have health insurance. The first step is drug detox, and this process manages withdrawal cravings and symptoms. Typically, the severity of addiction and accompanying withdrawal symptoms determine what drug detox is needed. The next phase of drug rehabilitation involves attending residential or outpatient drug rehab. Residential drug rehab requires the patient to live at the facility during treatment, while outpatient drug rehab centers require the patient to attend drug rehab daily. It is also important to consider aftercare support like 12-step meetings, peer support groups, and sober living homes.
How Does Private Health Insurance Cover Drug Rehab in California?
The process of using Health Choice insurance for drug rehab involves contacting the health insurance provider and the drug rehab center in California. The amount of coverage or insurance acceptance is based on the insurance policy that the patient has. Out-of-pocket expenses, for example, vary as well as coinsurance or copay options. Someone with health insurance should use their coverage to the fullest extent to get the care they need. The staff at drug rehab centers in California can help a family walk through the process of using health insurance.
Under the Affordable Care Act, most health insurance plans use a metal system for insurance tiers. These are usually bronze, silver, gold, and platinum, and the difference are monthly fees and deductibles. When families in California are searching for drug rehab programs, there are different options they can consider. The first is going through the Health Choice insurance provider and finding out what drug rehab options are offered within the network or out-of-network. Another option is an addiction assessment, and this could be done through a state or private healthcare provider or a drug rehab referral agency. The purpose of an addiction assessment is to determine the extent and severity of addiction and what the best drug rehab options are in California.
What Type of Drug Rehab Does Health Insurance Cover in California?
The type of drug rehab that Health Choice insurance covers depend on the plan type. Typically, health insurance covers different forms of counseling and therapy that are done on an outpatient basis. Outpatient drug rehab programs in California are usually covered, which involves the addict attending drug rehab daily. Residential drug rehab programs in California are live-in facilities where the addict stays during their drug rehab. The length of time needed in drug rehab is different for each person, and health insurance companies usually have a set time limit insurance pays for before the patient must cover the rest of treatment. Some health insurance plans cover aftercare support like sober living or group counseling. Overall, no single form of drug rehab is right for every person, and it is important for families to find the best drug rehab methods in California for their drug and or alcohol addiction.
Family Intervention for Drug Addiction in California
Once a family has found a drug rehab center through their Health Choice insurance plan, the next step is convincing their drug-addicted loved one they need help. Family intervention in California can motivate someone to seek help for alcohol or drug misuse. It is challenging to watch someone struggling with drug addiction. Unfortunately, most addicts are often in denial about their drug addiction and unwilling to seek treatment. They may not recognize the negative effects of their behavior and how it impacts them and their families. The best way to organize and plan a professional intervention is by hiring a certified interventionist. A family intervention presents a loved one with a structured opportunity to make changes before things get even worse.
Family intervention is a carefully planned process that is done with family, friends, and a professional interventionist. During the intervention process, those involved gather together to confront the drug-addicted loved one about the consequences of addiction and ask him or her to accept drug rehab. An intervention presents specific examples of destructive behavior and its impact on the addict, family, and friends. During a family intervention, the drug-addicted family member is offered prearranged drug rehab with clear steps, goals, and guidelines. The family interventionist spells out what each person will do if their loved one refuses to accept drug rehab. Family intervention is a successful process when planned and organized with the help of a professional interventionist.
Health Insurance for Drug Rehab and Drug Addiction Trends in California
California’s uninsured rate has fallen from 17% to 7.1%, and the number of uninsured Californians has dropped by 3.7 million people. Not every resident has health insurance or the coverage needed to access drug rehab programs. Approximately 1.5 million California residents get their coverage through Covered California, and Medi-Cal covers 12.5 million. Unfortunately, in California, about 8% of the population, or 2.7 million people, had a drug addiction between 2015 and 2016. During that same time, 6.4% of the population struggled with alcohol addiction, and 3.3% had an illicit drug addiction. Drug addiction was more prevalent among young adults aged 18 to 25 and occurred at nearly twice the state average rate.
California Health Care Foundation. How Many in Your Area Are Covered by the Affordable Care Act. September 2020. https://www.chcf.org/publication/how-many-your-area-are-covered-affordable-care-act/
California Health Care Foundation. Substance Use In California: A Look at Addiction and Treatment. October 2018. https://www.chcf.org/wp-content/uploads/2018/09/SubstanceUseDisorderAlmanac2018.pdf