Ambetter by Healthnet Treatment
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Health Care Choices
As you begin considering addiction treatment, you may feel overwhelmed by all the choices you need to make. Some of the choices you will need to make include where you will go for treatment, how long your program will be, and how you will pay for it. Although determining how you will pay for treatment can feel daunting, finding the right insurance can help you. The three most common ways people pay for addiction treatment are private insurance, Medicaid, or Medicare. Ambetter insurance is a private option for Arizonans. We can answer your questions about your financing options. If you live in Arizona and want to know if you can get Ambetter addiction treatment, call us today at (480) 378-0660.
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Health Care Options
Ambetter by Healthnet Insurance has several options for their customers. For example, Arizona plans include Ambetter Essential Care, Ambetter Balanced Care, and Ambetter Secure Care. Each of these plans provide unique services to their clients.
AMBETTER ESSENTIAL CARE
Ambetter Essential Care provides services for essential healthcare needs. Usually, this plan provides lower monthly premiums. However, this usually means there are higher out-of-pocket costs, coinsurances, and deductibles. Further, if you need a lot of care, this may not be a very effective plan for you. Additionally, the Ambetter Essential Care plan might cover substance abuse treatment. However, copays, deductibles, or coinsurance might still apply.
AMBETTER BALANCED CARE
Ambetter Balanced Care is another plan offered to Arizona residents. This plan works well for people who want the most balance between the price of their monthly premiums and out-of-pocket costs. This is especially true if clients are eligible for financial assistance. Like the Ambetter Essential Care, this plan may also cover addiction treatment. However, deductibles, copays, and/or coinsurance may still apply.
AMBETTER SECURE CARE
Finally, the Ambetter Secure Care plan works well for those who expect several doctor’s visits every year. Although the plan’s monthly premium payments are often higher, their out-of-pocket payments are usually lower. Further, this plan might cover drug abuse treatment. However, you might still be responsible for covering some of the costs.
How Medicare/Medicaid work in Arizona
In 2010, the Affordable Care Act made health care much more accessible to people in the US. The Affordable Care Act expanded Medicaid, meaning that thousands more Americans can receive the insurance coverage they need. Further, Medicare helps elderly people receive insurance at a lower cost than they would be able to find at private insurance. Both Medicare and Medicaid can put addiction treatment within reach of people who need it. In Arizona, there are 401 addiction treatment centers. Of these treatment centers, almost 300 accept Medicaid, and 200 take Medicare.
Information on Medicare
Medicare is a federally-funded insurance program that serves the following individuals:
- ✓ Seniors over 65
- ✓ People unable to work because of disabilities
- ✓People with End-Stage Renal Disease (ESRD)
The services Medicare offers come in four parts, which are as follows:
- Hospital Insurance, Medicare Part A
- Medical Insurance, Medicare Part B
- Medicare Advantage, Medicare Part C
- Prescription drug coverage, Medicare Part D
The aim of Medicare is to help the elderly have access to the healthcare options they need. This can include physician appointments, hospital stays, and prescription medication. With Medicare, the overall costs of healthcare are often far cheaper than they would be with private insurance.
Information on Medicaid
More than 65 million Americans are enrolled in Medicaid. Primarily, Medicaid serves those who are economically disadvantaged. Additionally, people with disabilities, pregnant women, children, and adults with a low socioeconomic background can all receive Medicaid coverage. Through Medicaid, people can receive care who would not otherwise have the means to do so. States administer Medicaid, and the program is funded by states and the federal government.
MEDICAID AND ADDICTION TREATMENT
Millions of people in the US receive healthcare through Medicaid. Primarily, Medicaid serves economically disadvantaged people. People with disabilities, pregnant women, children, and adults can all receive coverage from Medicaid. Through Medicaid, people can receive care who would not otherwise have the means to do so. States administer Medicaid, and the program is funded by states and the federal government.
Arizona’s Medicaid program is called the Arizona Health Care Cost Containment System (AHCCCS). AHCCCS covers addiction treatment for adults who experience alcohol or drug dependency. Further, like Medicare, Medicaid’s coverage potentially includes outpatient and residential services, along with other treatments.
Addiction Treatment is Within Your Reach
Ultimately, there is an addiction treatment program that’s perfect for you, and we can help you find it. Not only will you find the treatment that has the right style for you, but you will also find a program that has the right payment options for you. Whether you have Ambetter insurance, Medicare, or Medicaid, you can find the best addiction treatment program for yourself.
One final element to understand when considering the differences in insurance plans is the difference between HMO plans and PPO plans. To begin, HMO stands for Health Maintenance Organization. HMOs have a network of hospitals, medical centers, and primary care physicians. If you have an HMO, you will need to stay within your network to receive treatment. Further, you can expect to have lower costs both for monthly premiums and out of pocket. Finally, if you need to see a specialist, you will have to first see your primary care physician and get a referral.
Second, PPO stands for Preferred Provider Organization. In a PPO plan, you still have a network of physicians and healthcare centers. However, you don’t need to stay within your network. If you do leave your network, however, you will have to pay a fee. For the flexibility of seeing whichever doctor you choose, PPOs often have higher monthly rates and out-of-pocket prices. Finally, unlike HMOs, you will not need a referral from a primary care physician if you need to see a specialist. When questions arise about HMO plans, PPO plans, or Ambetter insurance and its ability to cover your addiction treatment, please call us at 480-378-0660.
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