Get PPO Drug Rehab and Alcohol Rehab Covered

Use Your PPO Plan for Comprehensive Services at Icarus in Nevada

If you’ve been contemplating the best addiction treatment services available in Nevada but have questions regarding your insurance coverage, sometimes it might feel like you’re left in the dark. One of the most stressful elements of addiction treatment is the preparation and paperwork that comes with dealing with an insurance provider.

Are you a recipient of PPO (preferred provider organization) insurance coverage? If you feel restricted by other types of coverage, like HMO or EPO plans when it comes to addiction treatment, you’re not alone.

But rest assured, your PPO plan will give you access to the quality addiction treatment and specialized care you’ve been looking for.

Continue reading to find out what’s on the horizon for clients of Icarus Behavioral Health, and how we can work to provide PPO drug rehab and alcohol rehab services that deliver top-tier care and comprehensive services at Icarus in Nevada.

The Stress of Insurance Coverage for Addiction Treatment

For many, navigating the insurance coverage process and discerning between PPO insurance and other forms can be the most difficult barrier when it comes to addiction treatment.

Understanding whether an insurance provider is accepted at various Nevada medical treatment centers can make the difference between taking strides toward recovery and remaining locked in the cycles of dependence on substances of some kind.

Challenges aside, there are questions among would-be clients regarding the level of care they’re able to afford from Nevada healthcare providers. One of the most common stigmas regarding PPO insurance is the increased premiums or co-insurance expenses associated with these plans.

Many potential clients are left in limbo, unaware of whether their PPO insurance coverage for rehab will provide enough coverage for things like medication-assisted treatment or specialized forms of therapy like dual diagnosis and others. Wondering how much you’re responsible for out-of-pocket can be a significant source of stress.

So what exactly is the difference between PPO and other forms of insurance benefits? Let’s take a quick look.

The Primary Insurance Plans Available In Nevada

Insurance plans come in all sizes with a wide range of different limits, payment obligations, coverage levels, and other defining elements, all of which we touch base on in the coming sections.

Before getting into the intricacies and financial specifics of any plan, you must be aware of the basic structure of coverage available to you either through your work, retirement, government, or other sources.

Insurance policies fall under one of the following 5 designations:

• HMO (Health Maintenance Organization) offers low deductibles and premiums but requires referrals before any services are paid for. Out-of-network treatment is usually only covered in case of an emergency.
• A POS (Point of Sale) plan gives you the option of seeing in-network or out-of-network providers. In-network providers have little to no deductible, low premiums, and very little out-of-pocket costs. Referrals are required for out-of-network treatment, and almost always include an increased premium and copayment.
• A PPO (Preferred Provider Organization) allows you to choose between in-network and out-of-network providers. The options are usually much greater with PPO plans, and referrals are hardly required. PPO plans to deal with more specialty forms of care you typically wouldn’t find with HMOs and other plans. That said, the flexibility does come with a cost, as premiums and copayments are higher, and you might have co-insurance payments as well.
• EPO (Exclusive Provider Organizations) offer coverage that’s a little friendlier on the wallet. These plans usually only offer coverage strictly during in-network visits, and most treatment providers must be local.
• HDHP with HSA. HDHP (High Deductible Health Plans) are combined with HSA (Health Savings Accounts). These plans require higher deductibles and out-of-pocket expenses in exchange for lower monthly premiums. The savings account is normally funded through deductions from your paycheck, similar to a 401K, and are often matched by the employer. The savings funds are allocated solely for medical expenses and out-of-pocket insurance costs and are available for investment much like a 401K plan after the account has reached a certain level of funding.

We offer multiple forms of addiction treatment through a program that’s spread across several care levels. During our addiction treatment regimen, clients have access to personalized care in multiple different forms. Enrollment programs include:

• Inpatient treatment services
• PHP (partial hospitalization program)
• Outpatient programs
• Intensive Outpatient programs (IOPs)
• Aftercare services

We also offer some of the leading treatment modalities in Nevada. Access to top-tier care facilities like ours is one of the perks of a PPO plan. The exact amount of coverage offered through your health insurance plan depends on the specifics of your PPO insurance coverage.

In the next section, we outline the specifics of PPO insurance in Nevada and how to navigate the process to gain access to top substance use disorder treatment providers in the area like Icarus in Las Vegas.

Understanding the Basics of PPO Insurance for Substance Abuse Disorder Treatment

PPO insurance plans are among the most popular forms of coverage among recipients of mental health and substance abuse treatment.

In most cases, recipients of PPO insurance plans must meet a specified deductible before the insurance company begins to pay for additional mental health programs, substance abuse, or behavioral therapies.

Defining Common PPO Terms

Deductibles

Depending on the insurance company, this amount has a wide range of potential amounts. Certain individuals might have a $500 deductible while others are expected to pay $3,000. Regardless of the specifics of the insurance plan once the deductible is satisfied, insurers pay for the remainder of the agreed-upon covered services for that year.

Many clients we speak with get deductibles and copayments confused. It’s important to understand that copayments work much differently than deductibles. Additional terms are also important, as you’ve already read about premiums, co-insurance, and other titles several times in this article alone.

Copayments

Your copayment is the amount you must pay for each separate appointment, counseling session, or any other one-time visit. The copay is generally much smaller in comparison, but just like the deductible, the specific amount depends on your insurance provider directly. As a general estimate, most Nevada mental health and rehab clients pay anywhere between $25 and $100 at each appointment.

Premium

You’ve likely heard the term premium before when it comes to the specifics of your plan. This is the amount of money you owe every month to keep your policy active. This equates to a monthly bill you’d pay for any other service received. It’s important to note, however, that your premium does not count toward your deductible.

Co-Insurance

Your coinsurance is completely separate from your copayment. The co-insurance rate is the amount your insurance provider expects you to pay that isn’t covered once your deductible is reached. For example, you might have a deductible of $1,000. Once you’ve paid for $1,000 in treatment, your insurance company may only pay for certain percentages in different increments. After a certain amount, instead of offering full payment, they might only cover 75% of costs. Your co-insurance payment would be an additional 25%.

In-Network

You’ve probably heard the terms “in-network” and “out-of-network” used to describe a specific type of healthcare provider allowed by your insurance company. When a provider is known as an “in-network” provider, it means they belong to a network of mental health and substance abuse treatment providers.

When a provider is in-network, it means there is usually some type of agreement established between the provider and insurance company that delivers discounted rates for clients seeking therapy.

PPO insurance providers must provide specific rules and expectations regarding your copayment and deductible. Instead of attempting to navigate the sea of information to arrive at a solid answer, Icarus Behavioral Health in Nevada can help you find out all of your coverage details and any out-of-pocket costs associated with your visit to our treatment facility.

Icarus Nevada programs to treat mental health and substance use disorders are in-network with many private health insurance providers, and can be verified via a confidential call directly to our Admissions staff.

How Can Copayments and Deductibles Associated with PPO Insurance Providers Impact Treatment Attendance?

As mentioned earlier, a lack of information regarding out-of-pocket expenses can be a huge barrier for those looking for help from expert medical professionals. Even after discovering the specific amount of your deductible and copayment, these costs can be a massive roadblock when you’re looking to begin the recovery process.

These small hurdles shouldn’t be enough to stop you from beginning he process of healing. In many cases, insurance companies allow larger deductibles or copayments to be broken down into smaller, more manageable payments for the sake of allowing you to enter drug rehab right away.

Avoiding the Confusion of PPO Insurance Plans, Deductibles, and Copayments

When you contact Icarus Behavioral Health in Nevada, you benefit from immediate assistance with your insurance coverage. Thanks to the Affordable Care Act, almost every PPO insurance plan offers some type of coverage for drug rehab and mental health services. Once you’re clear on what your PPO insurance plan covers, you can move forward with a plan to satisfy the out-of-pocket expenses you’re expected to pay.

How Do I Calculate My Out-of-Pocket Expenses for Rehab Facilities In Nevada?

Icarus Behavioral Health can help you clarify exactly what is expected from you financially to receive treatment. The amounts might be clear, but determining the types of appointments, services, and specialized care and their allotted coverage amounts is where the confusion comes into play.

Sliding scale fees are a possibility for some clients – even in these cases, however, the costs can mount quickly. Paying for single sessions might not seem that significant – until you have multiple scheduled in a short window with various counselors and specialists.

Icarus in Nevada: Get Proven Support with a PPO Plan

You or your loved one do not have to take these challenges on without help. At Icarus Behavioral Health, we’re dedicated to helping you find solutions so you have access to the best treatment available in Nevada.

Contact a member of our admissions team today – the important thing is getting you into treatment. Make that important call, learn more, and get support today!