by Eric Fischer

Detoxification and rehabilitation are the two treatment categories of substance abuse. Detoxification is short term medical treatment to manage withdrawal symptoms and rehabilitation is longer term counseling and classes to help the individual to remain sober. There are five basic questions to ask in determining substance abuse benefits through your health insurance.

-Do I have substance abuse health insurance benefits? Under current law companies providing group health insurance are only required to cover treatment for alcoholism not for drug abuse. However, most large group plans have substance abuse treatment benefits. A basic policy will cover outpatient treatment but will not cover residential rehabilitation care. Some plans offer “riders”, or supplemental options- for an additional premium amount- to augment a basic policy. Check with your health insurance company.

-What is my deductible and has it been met? Most health insurance plans have a yearly deductible that must be met before benefits are paid out. These can range anywhere from $ 100 to $ 5000. Under the new healthcare reform, there can no longer be separate deductibles for substance abuse and medical/surgical services.  Check your plans schedule of benefits to determine the amount of your deductible and contact your insurance company to see how much of your deductible has been met.

-What is the coverage amount per visit? Each health insurance plan will have different coinsurance or co-pay amounts for outpatient rehabilitation. You will either pay coinsurance- usually 80/20 – or you will have a co-pay per visit. Many plans limited the number of outpatient rehab visits to 20 per year but healthcare reform eliminated those benefit limits. The elimination of these benefit limits allows greater access to needed treatment.

-Is approval required from my primary care physician? Many health insurance companies require you to see your primary care physician to get a referral for substance abuse rehab unless it is court ordered. Authorization is usually required before rehab can begin. Many healthcare plans required members to complete a rehab program before payment would be made on the charges. If you did not complete the program then you did not receive the benefits and were personally responsible for the charges. Healthcare reform does not allow this anymore. Charges are paid by the health insurance companies during treatment.

-What is the reimbursement policy for out-of-network providers? A majority of health insurance companies require you to see in-network providers and do not provide any benefits if you go out-of-network. This is the same for any type of medical treatment, as well. Health insurance companies try to keep costs down by having its members utilize their network.

Healthcare reform has changed many aspects of substance abuse rehabilitation by bringing it into the realm of medical care. Insurers who cover substance abuse treatment must do so at the same level of benefit they provide for other medical conditions. This should increase the number of people seeking the help they need.

There is a way to have a bigger savings in insurance policy. To learn the most efficient way to get and contrast online insurance quotes for massive savings, you should read this.

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Take time to visit good quotes sites, and open at least five sites for your options. In order to make a good decision, you can make it through the use of internet. In the internet, you can get several comparison sites for insurance quotes. Get and compare quotes from one another, and you have the greater chances of saving much more. However, it will take a little longer in contrasting those sites but if you save a hundred of dollars, then it is worth giving a try.

After getting the best out of your insurance policy, you need to choose only one after much deliberation. If you select the right insurance, you can take a lot of advantages. In helping you to choose the right insurance companies, you can get information upon opening the sites. Do not waste your time in conducting research about the best insurance providers. You can review all the feedback and comments among different insurance providers. Now, it is very convenient to you and you also save your time.

If you are searching for any type of insurance plan, you should make certain that you have the best site in comparing the best insurance policy. In this matter, you will know more about those insurance companies, by knowing its benefits and advantage to you. Before making the right choice, make sure that it meets your needed requirements in a free online insurance quotes.

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Nowadays there is different health insurance available on the market. Policies like Indemnity Health Insurance, HMO Health Maintenance Organization, PPO Preferred Provider Organization, POS Point of Service were available. HAS Health Savings Account Plan is the new plan in the market.

Reasonable Personal and Family Insurance Plans

Shopping for a health insurance plan is the best for you and your family; you should examine about your options and evaluate plans of the different companies. The three most reasonable health plans on the market are

(HMO) is the plan that gives comprise entire medical treatment with the less cost. The medical treatment provided to you under HMO plan should involve only the list of doctors and hospitals that the insurance company offers. The claim form cannot be submitted in this plan. It is you to take the responsibility.

(PPO) It is same as the HMO plan. The doctors and hospitals available in the setup provided by the company should be visited for the needy times. The beneficial aspect is you can go out for the professional outside the network provided by the company. It should cost extra fee for doing that so that you can too file your own claim form while visiting other doctors.

(HSA) It is the cheapest plan among all other plans for the medical treatment. The plan combined with High Deductible Health Insurance Plan will be offered for the treatment. Deductible cost will range from $ 1000 for this plan to make one qualify to acquire HSA.

Instant Health Insurance Quotes

All main insurance companies made their plans offers through online. It makes us easier to go for health insurance shopping anywhere, anytime and can avail reasonable insurance policy for personal as well as family that will make us safer considering our budget.

Getting quality insurance should take a certain amount of research on your part in getting competitive quotes for insurance either online or contacting companies in your area. Getting the best quality insurance available for your car can be as easy as using some key words on the Internet. As we all know this avenue has become increasingly popular in the fact that just about every subject can be found to have some information available to you 24 hours a day seven days a week.

Insurance is something everyone should carry and there are many reasons why. One reason is the fact that accidents do happen, and if medical treatments and other high dollar medical procedures have to be performed, your insurance will have you covered. Many times there have been situations that have come up that individuals do not have the insurance coverage that they needed for a particular situation and have had to pay many thousands of dollars to hospitals and ambulance companies and aftercare just because a lapse in coverage happens or in this economy today, they lose their job.

Taking some time to get some competitive quotes for insurance on your car, home, self, and children should be something that you should do today. There are many ways to get this insurance but the best possible avenue is to pull up a search engine and find some of the quality websites that can give some accurate quotes for insurance and give you the figure that you will have to pay on a monthly basis. Having this information available to talk over the situation with your significant other about what avenues to go to will make the process that much easier.

Going without insurance should be something that no one in this great country of the United States of America should have to do. There are thousands of large and small insurance companies that have the ability to keep you covered when you need it. Now, as we all know insurance is something that we use only a few times in our lifetime especially if you are talking about auto insurance. Some people go their entire lives without using the auto insurance coverage that they have, but all it takes is that one time for something to happen and youll be glad you got some competitive quotes for insurance for your family and coverage from a quality insurance company.

If you are in the Florida area and you are looking to get new car insurance then there are a few things you can do to help bring the price down and save you money. The first thing you can do is go online and just search under the keywords Florida car insurance quotes.

You shall then be looking at different insurance companies in the area who can help you out. But instead of going to the company direct you should first of all go to car insurance quote websites.

These websites scan a large number of insurance companies for the best quotes for your individual circumstances. You just enter your information the once and let them do the work for you as their search engine generates a number of quotes to look at. Then you just need to go through them one by one. Just remember and include all of the relevant details so the quote you get is very accurate. It does also mean if you take a policy this way there is less chance of it being cancelled should you need to claim and you have made a mistake on the form.

You can get them graded according to the price with them running from lowest first up to the most expensive. But it is dangerous to just look at the cheapest and click to accept it as all may not be as it seems.

It is good trying to save some money with your car insurance but it is only good if it covers you for everything that you need. Some can easily be so cheap because they have so many restrictions or things missing in the quote so reading the individual terms and conditions is essential.

Doing this search online is certainly much quicker than contacting the companies individually and answering the same questions time and time again. It can narrow down the possible Florida based companies in a few minutes and this of course means you know they understand and follow the correct state regulations. It is also easier to deal with them if they are in your part of the world as opposed to being in Los Angeles for example.

So to find Florida car insurance quotes you are best to use the internet. It quickly provides you with a number of possibilities and you can discredit a large number of them in an instant. Just make sure you are covered for everything that you need and if needed call them and talk direct if you have any questions.

Question by WTH (idea: Can a hospital refuse someone who has had a possible stroke because their AHCCS coverage ran out?
My ex wife had what to me was an obvious stroke.Her right arm was like jello she couldn’t walk and complained her chest hurt.When her sister took her to a local hospital(TMC in Tucson AZ) They refused to admit her because her AHCCCS card had expired . Can they really do that? If so what are her options?

Best answer:

Answer by Brian
While the stroke may be obvious to you if the ER physician gave her a full work up and found nothing wrong there really is no reason to admit her unless they’re gonna obs her for the night to cover their butt. A lot of times bells palsy or a TIA can go home that day with instructions to follow up with your personal physician for further testing or to come back in if things get worse. I highly doubt they refused to admit her cause her AHCCCS card expired. The reason why I’m so sure is 99/100 times an ER physician won’t even know your insurance until they go to admit you the reason why is cause it doesn’t matter what insurance a person has till that time. The only reason why it even matters at all is so you can admit the patient to the right hospitalist as certain hospitalist groups are contracted with certain insurance companies.

Know better? Leave your own answer in the comments!