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Kaiser Permanente Insurance

Insurance Options

There are many different options when it comes to insurance coverage. Choosing the right plan for you and your needs is important. Interested in the Kaiser Permanente Colorado plan? When it comes to this plan most services are paid for out of pocket until the deductible is met. There is an individual combined medical and pharmacy deductible. All covered services contribute to the out-of-pocket maximum. Services that are seen as preventive care are not charged. This includes things such as routine physical exams and mammogram screenings. Substance abuse treatment coverage may be available under the mental health section. This depends on availability.    

For the Kaiser Permanente health savings account individuals have a combined medical and pharmacy deductible. The majority of services are subject to the deductible. Preventive care covered at no cost. This plan can be paired with an optional tax-advantaged health savings account. Insurance coverage for substance abuse treatment may be covered under the mental health section depending on availability. It is best to check with your insurance provider about coverage. When looking to go to a treatment center it is important to understand the total cost and what you will need to pay out of pocket. That way you won’t have to deal with any surprise costs at the end. If you or a loved one is worried about treatment costs there are many different options available to assist with the cost of treatment. There are always programs that are willing to do payment plans or sliding scale fees. Regardless of your financial situation it is important to know your options. Talk with the expert advisors at the treatment center of your choice. They will guide you through the costs of treatment. Whether or not you are covered by Kaiser Permanente, your insurance provider can then let you know how much of the cost would be out of pocket. 

Using Medicaid and Medicare

While some patients may need insurance, others may fall under Medicare and Medicaid coverage. If you qualify for either of these options it is important to know what is and isn’t covered. There are many centers in most cities that will accept Medicare and Medicaid when it comes to substance abuse treatment. However, when it comes to Medicare there is no category for substance abuse treatment. There are however services that are covered by Medicare when reasonable and necessary. If an individual can prove that they truly need to get help for addiction then Medicare may cover some of the treatment. This applies to both inpatient and outpatient treatment. Therefore, no matter what treatment style you prefer, both are covered. Inpatient is best for those that need more supervision. This tends to be more expensive due to the 247 care that is given with inpatient treatment. Outpatient treatment works well with patients who have a more mild substance abuse addiction. This style of treatment tends to be less expensive because patients do not stay at the center. Finding a treatment plan that matches your needs and your budget is key to a successful recovery. 

Colorado Medicaid covers substance abuse treatment for adults with alcohol and drug dependency. This includes outpatient and residential services. To find out more about your options it is best to look under the behavioral and mental health sections of insurance company websites. Always check with your insurance company to make sure what is covered under your plan. There are many ways to make treatment more affordable for you. Depending on the style of treatment and how long a patient goes for, treatment can vary a lot in price. Always speak to the experts at each center as they can assist you with any questions about costs and financing.