Several decades ago, health insurance companies didn’t cover any type of addiction treatment. There was no medical research to support the idea that drug and alcohol abuse could be the result of anything but immoral behavior and bad choices.
It was only after the discovery of the way that alcohol and drugs can hijack a person’s brain chemistry to make them crave the substances more that this all began to change.
Does Lifetime Healthcare Cover Addiction Treatment?
Lifetime Healthcare is a different type of health insurance company than what most people are used to. As a not-for-profit entity, they act as a holding company.
This allows them to be able to fund health services for their affiliate insurance companies, such as Excellus Blue Cross Blue Shield, Univera Healthcare, Lifetime Benefit Solutions, and MedAmerica.
The main benefit of having insurance through Lifetime Healthcare is that there is a reduced level of risk, which helps decrease the fees that policyholders have to pay for their health insurance.
Lifetime Healthcare Insurance Plans: Levels Of Coverage
Each of the affiliate insurance companies that are connected to this holding company have their own plans and deductibles. It can sometimes be confusing to try to figure out how to use Lifetime Healthcare to pay for addiction treatment.
Because of this, it helps to take a look at each of the individual plans that are available before deciding which of them is best.
For example, with Excellus Blue Cross Blue Shield, there are four main plans that a person can choose from. They are bronze, silver, gold, and platinum.
The bronze plan is the lowest level, and the platinum plan is the highest. The lower the plan level, the higher the deductible will be.
It is important to mention that those who are struggling financially may be able to qualify for coverage through Lifetime Healthcare at little to no cost if they meet the company’s income requirements.
How To Use Your Lifetime Healthcare Plan For Addiction Treatment
Using Lifetime Healthcare insurance to pay for rehab depends on the affiliate company that a policyholder goes through. Most of the affiliates only require that a person notify them that they are going to need to go into a drug and alcohol treatment center.
After this, they will review the policyholder’s plan to make sure that they have the coverage that is required to pay for it. They will also check to see how much of the deductible the policyholder has covered so far.
Most of the affiliate companies require that the deductible is covered first before they will contribute anything towards the medical bills.
The only exception to this rule is if a policyholder has a plan that is tailored for low-income individuals, as they will have no deductible to meet.
Some affiliate insurance companies also require that a doctor prescribe the addiction treatment before they will allow it.
List Of Addiction Treatment Services Covered By Lifetime Healthcare
Covered treatments will vary for each individual policyholder, both according to their plan’s coverage and their treatment needs.
For the most part, all Lifetime Healthcare insurance plans cover the following addiction treatment services:
- inpatient and outpatient care
- detoxification programs
- any medications that an addicted person might need
List Of Lifetime Healthcare Plans By State
The rehab centers that accept Lifetime Healthcare insurance are all located in New York because Lifetime Healthcare only covers the upper portion of this state.
Lifetime Healthcare offers plans with coverage in the following areas of New York:
Finding A Rehab Center That Accepts Lifetime Healthcare
Because there are several affiliates connected to this holding company, anyone who needs to find rehab centers that accept Lifetime Healthcare insurance may have a complicated search process.
Some of the affiliate companies, such as Excellus Blue Cross Blue Shield, may be willing to help with the process if they are contacted directly.
But if an addicted person is very sick because they are going through withdrawal, it is best to save as much time as possible by contacting our organization first.
We can also help reduce an addicted person’s out-of-pocket expenses by directing them to a facility that will match up best with their insurance benefits.
To learn more about alcohol and drug rehab centers that accept Lifetime Healthcare insurance, or for additional addiction treatment options, contact us today.
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- Lifetime Insurance
- Harvard — How Addiction Hijacks The Brain