Many drug addicts avoid treatment because they’re afraid of the cost. They worry that once they receive treatment, they’ll have to pay an outrageous bill. Oftentimes, this leads to preventable overdose deaths.
As the National Institute on Drug Abuse points out, roughly 70,000 US citizens died from a drug overdose in 2017. But, only 11.2% of addicted people get professional treatment. If more people reached out for help, we might see the death rate decrease.
That's why Ashwood Recovery works with insurance providers like US Managed Care Organization (USA MCO). This allow us to provide affordable care to the addicts who need it.
If you subscribe to a USA MCO plan, you may be entitled to free or low-cost addiction treatment. You can go to drug detox, attend alcohol rehab, or get whatever other services you may need.
Don’t put off treatment because you’re worried about expenses. Ashwood and USA MCO will help you find affordable care.
USA MCO is one of the largest Preferred Provider Organizations (PPO) in the United States. In fact, it’s the largest privately-owned PPO is the country.
This organization has an enormous network of hospitals, doctors, and treatment facilities. Members have access healthcare from any resources in the network.
The company values flexibility and choice. It’s important to them that their customers get the treatment they need. That’s why they work with a range of different doctors, specialists, and healthcare facilities. It’s also why they happily cover the cost of drug and alcohol rehab.
The US Managed Care Organization is a PPO insurance company. This means that the company does not sell insurance directly to members. Instead, they sell network access to other insurance providers.
Insurance providers work with organizations like this so that they don’t have to develop their own network. It allows small insurance companies to gain access to a wide range of treatment services.
If someone subscribes to a USA MCO insurance plan, they’re granted access to all of the doctors and facilities in the network. They can usually get in-network treatment for very little money. Members also have access to out-of-network care. But if they receive out-of-network services, they may have to pay a bit more money.
PPOs are separate Health Maintenance Organizations (HMOs). Those insurance plans only allow their members to receive in-network treatment. If an HMO member seeks out-of-network services, they pay full price.
PPOs cost more money than HMOs. But, subscribers have access to a larger selection of doctors and treatment centers.
Ashwood works with USA MCO to provide low-cost treatment options for drug addicts and alcoholics.
Every professional rehab center works with a network of insurance companies. These relationships ensure that members have access to affordable addiction treatment.
Ashwood Recovery, for example, has a large insurance network. USA MCO is one of the many insurance companies that belong to it. If a USA MCO member needs detox or rehab services, they are welcome here.
This company values their customers’ health. That’s why they’re eager to help members overcome drug addiction. They cover detox and rehab treatment. And they cover specialized treatments, as well.
If you suffer from any of the following conditions, the company is happy to help you pay for treatment:
In some cases, they may even cover milder conditions like tobacco addiction. If a habit affects someone’s life negatively, the company wants to help them get healthy.
Many people struggle with mental health conditions. Oftentimes, they suffer from a mental health problem on top of addiction disorder. Sometimes, their mental health disorder might driver their addiction problems.
This type of condition is known as a co-occurring disorder. People who suffer from co-occurring disorders need special treatment. They may need a specialist doctor. They may need medication.
Fortunately, USA MCO covers these treatments. They see co-occurring disorder rehab as a medical necessity.
Some of the co-occurring conditions that they treat include:
Of course, these aren’t the only conditions they cover. They provide coverage for a range of other co-occurring disorders.
Whatever the case, this behavior is dangerous. Cross-addicted people require special treatment. It’s important for them to seek help.
Luckily, USA MCO covers cross addiction treatment. They partner with rehab programs that treat this type of condition.
When you subscribe to a USA MCO insurance plan, it’s easy to get rehab treatment. This company does not require doctor referrals for in-network treatment.
So, you can check into a drug rehab facility without having to visit a primary care physician.
If you want to use USA MCO to go to drug detox or rehab, you just have to search through their network directory. That’ll help you find an in-network program. These are the programs where you’ll receive free or low-cost coverage.
Once you select a program, you should call USA MCO for verification. They’ll let you know whether or not the chosen program is still in their network. If you can’t get in touch with the insurance company, you could contact the facility for verification.
After you verify that the rehab facility is in-network, you’re free to check in. A staff member will fill out a claim form and submit it to your insurer. The insurer then reimburses the healthcare facility for the charges.
When speaking about employer-based health insurance, we’re unable to list the price. Costs vary depending on the employer.
The exact price is determined through negotiations. The insurer and employer work to determine a suitable premium, deductible, and co-pay rate. Typically, these three components vary depending on the employee’s salary.
Usually, USA MCO’s services are reflected in a member’s healthcare premium. The insurer adds this fee to the premium price.
Whenever someone uses health insurance to pay for drug rehab, they must make three different payments. Below, we’ll outline what those payments are.
Please note: The dollar-amounts listed below do not reflect the prices at Ashwood Recovery. They are intended to give you an idea of what people pay for health insurance coverage.
Premiums: This is the annual payment an employee pays toward health insurance. By the time someone checks into rehab, it’s likely that they’ve already contributed a fair amount of money toward their premium. Typically, the employer deducts an amount of money from the employee’s paycheck to pay toward this.
In 2018, the average health insurance premium was $19,616 for a family. A typical family paid $377 per week toward health insurance premiums.
Deductibles: The deductible is a component of every healthcare plan. This is the percentage that the member must pay before insurance kicks in. If someone has a $500 deductible, for example, they must pay that amount themselves. The insurance company will cover the rest.
According to the International Foundation of Employee Benefit Plans, the average healthcare deductible is $932 for a single person. For a family, it’s roughly $1,930.
Copayments: Most people pay a small amount of money directly to the rehab facility when they check in. This charge is known as a copayment. The copayment amount is low in comparison to premiums and deductibles.
On average, patients pay $308 in copayments when admitted to a rehab program. This amount is usually billed via mail. Patients are able to pay their bill later on.
Health insurance is very valuable for addicts. They usually have an easier time paying for rehab than uninsured people. As you may know, some addiction treatment centers cost a lot of money.
However, not all rehab programs are expensive. There are many programs that provide free or affordable services.
Ashwood Recovery values affordability. It’s important to us that patients get the treatment they need. That’s why we work with insurance companies like USA MCO.
We also offer payment plans. This allows addicts to get immediate treatment and pay for it later. Although insurance is the best way to pay for rehab, payment plans are helpful for many people.
Ashwood Recovery works with many insurance companies. This allows us to provide affordable treatment to folks who need it. If you subscribe to a USA MCO insurance plan, you could go to rehab for free (or very little money).
We provide professional detox and rehab services. We treat alcoholics and drug addicts alike. We also treat co-occurring disorders and cross addictions.
If you’re struggling with a substance abuse habit, we want to help. Give us a call to start your recovery journey today!