Health insurance has become a vital necessity for nearly every American family in recent years. The Affordable Care Act (ACA) mandated that all individuals in America needed to maintain an insurance policy for themselves and their families as of January 1, 2014. Failure to do so could result in fines.
It was not illegal to be uninsured in previous years, but there were no real consequences if you did not have insurance. Under the ACA, there are real penalties if one is not insured, and they go on your taxes if you do not have coverage. You may also see penalties under your state’s laws depending on how your state conducts its plan of operations as well.
Emerald Isle Health & Recovery knows that no two insurance policies are alike, which is why we work with Evernorth to provide our clients with peace of mind and the means to improve their health – no matter what their current situation may be.
Free Mental Health Assessment
What Is Evernorth Insurance?
This is a company that works with individuals, businesses, and corporations. Individuals are able to get personal health insurance coverage under their plan.
The business and corporate plans are customized for each client, so it is important that you choose a company that will help you create a plan specifically tailored for your needs. This is one of their many strengths; they work hard to make sure they understand what kind of coverage you are looking for before they start creating your plan.
Evernorth maps out their policies as solutions. Some of their most popular solutions include but are not limited to:
inMynd provides employees across different sectors with access to support systems and experts in insomnia, anxiety, and depression.
Healthy Ways to Work
With the pandemic, nothing is the same. To address these changes, Evernorth has partnered with different companies and entities to aid in the navigation of the new norm. They have done this to help people return to work in safe and healthy environments.
SafeGuardX has proven essential when it comes to saving lives and money. This solution covers complex health conditions like diabetes, obesity, and inflammatory disorders. It does this by leveraging the value-based strategies from entities like Express Scripts and specialized clinical models.
Embrace Benefit Protection
In a world of innovation and invention, people need a safety net to experiment. Evernorth offers this net to those seeking to experiment with Gene therapy. The protection offered gives a chance to those who cannot afford the treatment.
Other solutions provided by Evernorth include:
- Family Path
- Digital Health Formulary
- Direct Health
- Evernorth Home Solutions
- Evernorth COVID-19 Vaccination Clinics
Changes From Cigna to Evernorth
On September 1, 2021, Cigna Behavioral Health changed its name to Evernorth Behavioral Health. This change did not affect the contractual obligations the company’s employees had or the benefits accorded to the patients.
The name change saw the company rebrand, and in 2022 a new website for Evernorth was launched. To maintain their customer base, Cigna / Evernorth maintained its phone numbers and fax number. The only communication channel that changed was the company’s email address. They were changed to feature the evernoth.com extension.
Common Features of Evernorth Insurance
Most health insurance providers available today often offer similar packages that may seem to blur together in terms of coverage offered and costs charged. However, not all are the same, and there are many ways to choose the one that suits you best. Here is a look at some of the most common features of Evernorth Health Insurance.
- Flexible pricing options
- Coverage for every lifestyle
- Quality and value
- Easy enrollment process
- 24/7 Customer support
Evernorth Coverage for Behavioral Health
If you are looking for behavioral health coverage and/or mental health coverage, look no further than Evernorth. Not only does Evernorth offer behavioral health benefits at little to no cost for employers, but it also does so in a way that is cost-effective for employees.
Many companies will often provide a high deductible or higher premium for employees to pay for their behavioral health benefits. However, with Evernorth’s HSA Behavioral Health program, there is no additional cost to employers or employees beyond what they are already paying each month towards their healthcare plan.
Additionally, many other insurance providers do not cover all of your prescriptions if you have a mental illness; however, Evernorth covers over 200 different prescription medications if prescribed by a licensed medical doctor.
Will Evernorth Cover My Drug and Alcohol Treatment?
If you need treatment for a drug or alcohol problem, Evernorth will cover it. Since substance abuse disorders are categorized as mental and physical illnesses, Evernorth considers these treatments part of your overall healthcare package.
And because most substance abuse issues are chronic and require ongoing care, Evernorth covers them without placing time limits on coverage. So, if you are ready to get clean and stay that way, call your insurance provider today and find out what treatment options they offer.
Evernorth will cover up to $3500 of your expenses per year. However, in order for them to cover any drug or alcohol treatment costs, you must receive care from a licensed medical professional. This can include everything from behavioral health specialists (psychiatrists or clinical psychologists) to certified peer support specialists (like recovery coaches).
(Features Of) Evernorth Approved Addiction Treatment Centers
Several features make Evernorth-approved addiction treatment centers an excellent choice for the next stage of your recovery. They have around-the-clock support, allowing you access to them at any time when you may be experiencing cravings.
These facilities are also convenient for those who need their care and want it close by. There are no fees until you begin receiving services, meaning many insurance providers cover the majority of the cost for your treatment.
Finally, these facilities also offer exceptional programs designed just for those seeking alcohol and drug abuse help from them. This means more personalized help from trained professionals is available to you than ever before.
Immediate Placement for Mental Health Treatment
Medication-Assisted Treatment with Evernorth
When you first begin working with an addiction treatment center, they will work with you on finding an effective treatment plan. In most cases, medication-assisted treatment is a common approach because it can help prevent a variety of potential relapse triggers and intense cravings that often lead to full-blown relapse.
It is important to note that insurance coverage can be an issue if your health insurance provider does not cover any of these types of treatments, but many providers have programs in place that address specific concerns.
Evernorth has a patient assistance program (PAP) for those without insurance enrolled in Medicaid or Medicare. These PAPs can help reduce out-of-pocket costs by covering up to 50% of qualified medications.
They also cover many forms of medical detox and even partial hospitalization/intensive outpatient care. Talk to your doctor about your options and do some research into local health centers to learn more about what might be available in your area.
Making The Most of Your Evernorth Insurance Coverage And Benefits
In order to make sure you are getting all of your insurance benefits and coverage, there are certain things you should be aware of. A few of these include:
- How much is your deductible (the amount you have to pay before your insurance kicks in)?
- What is a co-pay (the amount you must pay every time you get care from a doctor or hospital)?
- How much does it cost for you and your family members to see a specialist?
Your health care plan will also outline other details about prescription drugs, so if any are covered, you should look into what kinds of drugs are covered, which may not always be covered by other plans.
From here, you must read all contracts thoroughly before signing them. For instance, some plans offer different deductibles for those who have families or have a chronic illness (which is never ideal).
When comparing your insurance coverage with that of others, however, make sure you do it wisely and research different companies and their coverage rather than simply looking at costs. If a cheaper price seems too good to be true or is not aligned with your personal needs and budgeting strategy, it probably is. It is never worth scrimping on benefits only to realize down the line something did not get covered in time—for both yourself and your family members.
Sober Living and Aftercare with Evernorth
After a drug or alcohol addiction, one of the most important things you can do is continue therapy while living in a sober living home. A residential treatment center provides round-the-clock supervision and therapeutic assistance during what will likely be an intense detox period, followed by counseling sessions on how to avoid relapse.
A regular aftercare program with a professional therapist will also help give you insights into your condition and how to live life without drugs or alcohol. With Evernorth as your insurance provider, you can get all these services and more tailored specifically for you.
For example, detox programs offered at Evernorth allow up to 30 days of care so that clients can completely recover from drug or alcohol addiction before they go back home.
Alternative Ways to Pay for Addiction Treatment
One of the biggest concerns for people interested in working with a treatment center is how to pay for treatment. All too often, insurance coverage does not fully cover treatment or leaves gaps that require additional funding.
The cost of quality drug rehab can range from $30,000 – $120,000, generally higher if you are seeking luxury rehab services. Fortunately, there are alternatives to paying out-of-pocket for addiction recovery services at Emerald Isle Health & Recovery.
Often a family member or friend will need to help by contributing funds towards your care, but there are other options. If you have money saved and do not have a co-pay on your policy, consider using some of those savings before turning to less reliable sources. However, many people are not quite prepared financially and still need to find ways to raise more money for their stay.
Here are some ideas If you have an HSA/FSA:
- You may be able to use HSA/FSA (Health Savings Account/ Flexible Spending Account) funds from any US insurance plan. Speak with your employer and enroll in a high deductible health plan (HDHP) if necessary, in order to fund an HSA or FSA, which is then used for qualifying medical expenses at eligible locations such as Emerald Isle Health & Recovery.
- There are several different account types, each of which has its own rules. Find out whether HDHPs or HSAs fit your needs, how much you can save annually, and see what might change when Obamacare comes into play in 2014.
- Make sure you check with the recovery institution that they are qualified so that you can submit any claims directly to them when services have been rendered. Sometimes it helps to ask – your doctor’s office will often point new patients in our direction even though we are not officially on their list because it is good business for them too.
In-Network with Evernorth: Emerald Isle Health & Recovery
The Emerald Isle is a licensed in-network facility with Evernorth Health insurance provider. By selecting an in-network care center, you ensure that your costs will be lessened. If you are accepted by your insurance provider and obtain services from an out-of-network hospital or healthcare provider, your insurance company may not cover all those expenses.
This can cost you more money than if you had gone to a place like Emerald Isle Health and Recovery, as a facility accepted for in-network coverage with Evernorth Health Insurers. Always verify whether your medical care center accepts any private health plans before beginning treatment, a process our Admissions team makes easy with a quick, confidential phone call.
Please don’t hesitate to reach out to our compassionate, dedicated team today to find out your policy coverage and start your journey to recovery with Emerald Isle, a premier, ‘in-network’, Evernorth Heath facility today!