I have a policy through First Choice Health Administrators. Will it cover my substance abuse treatment?
In general, the answer to this is going to be yes. But since there are so many variations in plans, coverage will change from person-to-person. Some policies will offer comprehensive coverage, while others will end up costing members a lot of money in deductibles and out of pocket costs.
The easiest way to find out the limits and terms of your policy is to call us directly at Royal Life Centers. We’ll perform a quick, no obligation verification of your benefits. Once we have this basic information, we can better assist you and let you know your treatment options. Our caring treatment experts are available anytime at (877)-732-6837 or (877)-RECOVERY.
First Choice Health Administrators Insurance Coverage
Typically, First Choice Health Administrators do extend coverage for substance use disorders, at least in part. However, the specifics of your personal policy will dictate exactly what benefits are available to you.
Most often, policies will cover a medical detox when determined to be medically necessary by a doctor. Substances such as alcohol, benzodiazepines, and opiates usually require a medical detox. They can be dangerous or even deadly without the monitoring and supervision of medical professionals.
Addiction Treatment Services
Beyond detox, the types of treatments that will be available to you will also be determined by your plan’s specifics. Inpatient treatment is considered intensive, and many insurance companies won’t allow for it until other, less restrictive levels of care are attempted first. However, this is not always the case, especially under circumstances of more advanced addiction. Outpatient care may be offered as an option for those with a milder addiction, when appropriate.
These decisions will likely be made between you, your healthcare provider, and your insurance company, in a collaborative effort. Other considerations that are made will concern the type of plan you have. Whether you have an HMO or PPO will change your choices of available treatment centers.
Just like most medical issues, often only a portion of drug and alcohol treatment will be covered by insurance. To find out how much coverage you’ll receive and other costs you may incur, call Royal Life Centers. We’ll gather some simple information and quickly find out your eligibility of benefits. With that information we can help you make the best decision for yourself and your recovery. Call us anytime to discuss your options at (877)-732-6837 or (877)-RECOVERY.