Vantage Health Plan’s Substance Addiction Treatment Coverage
When contemplating seeking addiction treatment for you or a loved one, money should not become the obstacle preventing you from it. Many decisions have to be made around treatment, such as which program to attend or for how long. You should not have to worry about the cost if you cannot pay for it yourself, many options exist to help with that. In Louisiana, Vantage Health Plan was created by physicians to provide clients with quality healthcare coverage. Their goal is to give clients affordable insurance with good customer service locally. Vantage has three services related to addiction treatment available in the state, Freedom, Essential, and Savings.
- With Freedom, clients benefit from copayments for inpatient and outpatient services, as well as doctor visits and most prescription drugs.
- Clients can also get reduced copays for providers from Affinity Health Network and Saint John Pharmacy.
- An in-network medical deductible can range from $3,500 to $4,000 and $1,000 for in-network drugs.
- With Essential, clients can except copays for certain prescription drugs and MH-PCP office visits.
- The client can receive reduced copays for providers from Affinity Health Network and Saint John Pharmacy.
- For other services, such as inpatient stays, diagnostic tests, emergency room visits, and other services may require deductible and coinsurances.
- An in-network medical deductible can range from $1,600 to $6,500, with drug deductibles ranging from $600 to $1,000.
- Clients interested in a Health Savings Account (HSA) can qualify for deductible plans.
- In-network medical along with prescription drug deductibles can range from $5,500 to $6,900.
Substance abuse treatments can be covered with all plans but may require varying copays, deductibles, or coinsurance. Additional payment options may be available if Vantage does not meet your needs.
Other Healthcare Options Available
For those who cannot afford private insurance or to pay out of pocket, additional options can still help you get the treatment you need. Two U.S. federal healthcare plans, Medicare and Medicaid, were created to assist people who would otherwise not have the means to have access to healthcare. Both plans can be accepted in most treatment facilities, along with other payment options.
Information on Medicare
Medicare provides coverage for people ages 65 and above. Coverage may also include people younger with disabilities or other health conditions. While Medicare does not have a specific benefit category available for addiction treatment, it can cover it if the person severely needs it. The treatment must be a necessity, which can include someone with a severe addiction. Coverage is divided into four parts. Part A can cover hospital insurance, Part B covers medical insurance, Part C covers a combination of A, B, and often D, while Part covers prescription drugs.
Information on Medicaid
Medicaid can provide coverage for most people in low-income situations. This can include pregnant women, children, and people with disabilities. Medicaid provides coverage for various substance abuse treatments such as outpatient, residential, and additional services. The plan’s aim is to help those who need healthcare but cannot afford it on their own.
Patients have other options besides Medicare, Medicaid, or other insurance plans. They can receive payment assistance or services on a sliding fee scale from many facilities in Louisiana. For more information on the different insurance available, you can visit each insurance website and look under their behavioral and mental health section. You can also call us at 504-384-7870 to learn more. Paying for treatment should not stand in your way.
The Right Addiction Treatment Coverage with Vantage
Similar to most things, an insurance plan is not one-size-fits-all. What can work for one person, may not work for someone else. For this reason, it is important to learn about all your options so you can be better prepared when making your decision. Paying for treatment is one thing to consider but it should not be the reason preventing you from getting help. You can consider using Vantage Health Plan, Medicare, Medicaid, or other payment options.
Vantage provides clients with three plans, which are Freedom, Essential, and Savings. All three plans give clients coverage for substance abuse treatment. Although the deductibles, copays, and coinsurance may vary in each plan and may apply for the services. People can also get assistance from Medicare and Medicaid for addiction treatment. In addition to healthcare plans, various facilities offer payment assistance and services on a sliding fee scale to help patients.
No matter what you decide on, just know that you are not alone and have numerous options available to pay for treatment. Whether you choose Vantage, Medicaid, Medicare, or other options, you are one step closer to your recovery. For more information on treatments or insurance, call us at 504-384-7870. We are here to help you.