The Patent Protection and Affordable Care Act (ACA) insurance plan has effectively revolutionized the healthcare insurance industry. Its impacts have been extensive and vast. The Affordable Care Act (ACA), also referred to as “Obamacare” that provide options to an individual to pay for addiction treatment.
This Act is an increasingly best way to pay for drug and alcohol rehab. This healthcare system law passed in 2010 that covers addiction treatment services. One of the essential and significant impacts of this landmark legislation is its upward trajectory for premiums, deductibles, and out of pocket costs, especially its plans that are sold on the healthcare insurance exchanges.
The ACA sponsored insurance plans on an online platform are called the Health Insurance Marketplace. These medical healthcare insurance plans offer addiction treatment options similar to other private sponsored insurance plan. In addition to it, under the ACA, addiction is no longer a pre-existing condition to get the insurance benefits.
Many of the ACA provisions help the health payers to spend more on covering the medical services among the sick populations. The ACA plan is less expensive for consumers as there is an option for need-based tax credits. The ACA help avail funds and treatment options to Americans covered under Medicare and Medicaid.
What Is the Coverage Under Affordable Health Care Medical Insurance?
Under the ACA plan, coverage provided for addiction treatment is almost complete, like any other medical procedure. Some of the benefits an individual can get with this insurance plan include:
• Addiction Evaluation and guidance
• Brief Intervention when required
• Medication for addiction treatment
• Clinic visits
• Alcohol and drug testing procedure
• Family counseling and guidance
• Home health visits
• Anti-Craving medication
This Act also offers an option to assist with Inpatient services like Medical detox programs. There is also other Health Insurance Marketplace platform run by the States separate from Healthcare.gov. States and Federal Medical plans differ mainly on the Medicare and Medicaid coverage provided in each state.
Obamacare Coverage for Different Addiction Expenses
The ACA sponsored health plans are available to purchase if you go for medical insurance shopping. The Health Insurance Marketplace includes five types of projects:
• Bronze plan- It covers mostly 60 percent of the expense of the treatment.
• Silver plan- It covers almost 70 percent of the cost of the procedure.
• Gold plan- The expenses coverage is around 80 percent of the system.
• Platinum plan- The expenses cover 90 percent of the treatment.
• Catastrophic- The total average cost of the coverage is 60 percent of the process.
The Eligibility of the Coverage Plan
The American citizens with income near to Federal Poverty Level (FPL) and four times the Federal Poverty Level are eligible under the ACA tax credits. The FPL depends on family size.
For the Silver Plan holders living below 2.5 times the poverty level, Cost-sharing is available. For instance, a single person is eligible with or less $29,425; a two-income household needs to make $39,825 or less. The cost-sharing measure help reduce deductibles, co-payments, insurance premiums, and other out of pocket expenses for the eligible customers.
The scope of the Affordable Care Act Treatment
The ACA plan helps reduce the addiction treatment costs, increase options, and benefits of employer-provided healthcare insurance plans to individual medical healthcare insurance plans. This ACA plan allows young adults and younger to remain in their parent’s health care plan. All these expanded advantages include treatment despite pre-existing health conditions. ACA helps open hundreds of new Inpatient and Outpatient health centers to provide increased care every year. These new centers also cover co-occurring mental health conditions like depression.
If you want to have an ACA sponsored plan, you need to apply for online registration. You can apply through a unique registration form at Healthcare.gov if the regular registration window deadline is missed.
An individual can take medical insurance plans by following these steps:
• Logging on the website of the health insurance marketplace at Healthcare.gov to begin the process
• Creating an online account for marketplace health insurance
• Complete the marketplace application and see available health plans.
After the approval of a plan for ACA sponsored insurance, consult to a health insurance marketplace attendant to know which health insurance package is suitable for you and your family. After your deciding to go for rehab for addiction treatment, settling for the right rehab program is essential to stay sober. Every treatment plan offers different options in an insurance plan. Our treatment specialists are available for you to determine which treatment option or center would provide treatment according to your health insurance plan.
Let’s contact us to know better, we are here for you to help you with the best service options.