Getting Covered by Medica Health Plans
While you might have a few programs or locations you are interested in, it is a good idea to check what insurance can cover. It can make it easier to make a decision on a program when you know your insurance can cover it over another one. Whether you already have insurance or not, you should find out what all your options are. Getting help and having to pay for it should not put so much stress on you. Medica Health with its two plans might your needs or we can help you find a better fit.
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Harmony by Medica
Under Harmony by Medica, people may receive lower monthly premiums, although it is only available in selected counties and areas in Oklahoma. It provides about 1,000 plus care providers at more than 10 clinics and 20 hospitals. Harmony provides three tiers, which are Gold, Silver, and Bronze. While copays, coinsurance, and deductibles may apply, all tiers may offer substance abuse treatment coverage.
With Medica Quest clients receive a larger coverage in most cities in Oklahoma. With more coverage, you may have higher monthly premiums, but it might be worth the cost. Quest gives people access to more than 11,000 care providers at 44 clinics and 130 plus hospitals. Similar to Harmony, you will have three tiers available: Gold, Silver, and Bronze. Substance abuse treatments may be covered in all three tiers but may require copays, coinsurance, and deductibles.
You may find more information on specific treatments or coverage on Medica Health and other insurance websites. You can also call us at 405-583-4390 with any questions you may have. We are here to help you find what is right for you.
Additional Payment Options Available
If Medica Health’s plans do not align with your needs, for any reason, there are still other more affordable options. It is about finding the right one for you. Many treatment facilities in Oklahoma accept Medicare and Medicaid. While they are both U.S. federal healthcare plans they are fairly different. Medicare covers adults ages 65 and older but does have some exception for those younger with disabilities or chronic diseases. Medicaid helps people with low-income along with others anywhere from children to pregnant women and more. Other payment assistance options can be offered by certain treatment facilities.
While people ages 65 and up are most commonly covered by Medicare, others with disabilities or certain conditions can also receive help. Those enrolled in Medicare have four types of coverages. In Part A, people may be covered for hospital and inpatient visits, and other services related to hospitals. Part B covers medical, such as outpatient care, medical supplies, and other services. Part C is a combination of Part A, B, and D. With Part D, you may receive prescription drugs at a lower cost. Medicare does not have a specific benefit category for substance abuse treatment but it can be covered when reasonable and necessary.
Medicaid provides a broader population with accessible healthcare. It covers people with low-income, pregnant women, children, people with disabilities, and more. Medicaid wants to provide people with healthcare options who would otherwise not afford it. Fortunately, people can receive substance abuse treatment coverage at little or no cost.
Help is Around the Corner
Whether you decide on Medicare or Medicaid or even neither, you can receive additional help. Many treatment facilities also offer payment assistance and services on a sliding fee scale. We can find the right option for you.
Treat Your Addiction at Any Cost
Many people looking for treatment may feel alone and overwhelmed not knowing where to start. Luckily, you have many options to choose from with everything from programs to insurance. It may make it easier to find the best treatment for you when you know what you are working with. Once you make your decision to get help, the cost should be the least of your concerns. There are many ways to pay for treatment, and it will all be worth it when you are on your way to recovery.
If you do not have insurance yet, you can look into Medica Health, Medicare or Medicaid. Medica Health offers two plans to choose from, Harmony by Medica or Medica Quest. With both plans, you can receive substance abuse treatment coverage but they may require a copay, coinsurance, or deductibles. Both Medicaid and Medicare can cover treatment, but with Medicare, it must be a necessity.
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No matter what you choose, what is important is getting you the help you need. If you have any questions, please call us at 405-583-4390. You are not alone.