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!
