Massachusetts residents have a variety of healthcare options that can make it complicated to find the right policy for personal goals. In the case of addiction recovery and substance abuse treatment, a plan that offers clear terms and details about the costs can be essential. The Blue Cross Blue Shield plans are available in Massachusetts and offer a variety of options for individuals who are looking for a realistic way to recover from addiction.
In Massachusetts, the Blue Cross Blue Shield offers 5 types of insurance plans. The Platinum Plans are designed to have a higher monthly premium, but they also offer a low out-of-pocket cost when individuals are seeking treatment for any health concerns. The other plans gradually reduce the premium, but the out-of-pocket expenses will increase. The plans that are available include:
- Platinum plans
- Gold plans
- Silver plans
- Bronze plans
- Catastrophic plans
The Catastrophic plans are designed for young adults below the age of 30 who may not have the same health concerns that arise in older adults. Bronze and Silver plans are designed to have are relatively low monthly cost, but the out-of-pocket expenses are generally higher. The Silver plans are also classified as a multi-state policy, so it follows the federal guidelines and has limited coverage for elective programs that are not required for the health of the individual.
Seeking Treatment for Addiction
Even though the specific details related to the deductible, monthly costs and out-of-pocket expenses can vary based on the policy that was selected, the Blue Cross Blue Shield policies do offer options for addiction recovery and treatment. Generally, you will be allowed to enter a treatment program for inpatient recovery for a set period of time. Most plans will allow individuals to enter a 28 to 30 day inpatient program and will pay for most of the costs.
After the inpatient program is completed, the policy will still provide coverage for outpatient services and requirements. Additional treatment is possible as long as it is needed for an individual to recover from addiction and start working on a healthier lifestyle. It will also cover any health concerns that may arise and the appropriate treatments that are necessary for the needs of the individual.
Get Back On Track
Recovering from an addiction is possible with the right insurance policy and treatment program. An insurance policy can help pay for the costs of recovery and related expenses that are may be necessary for the individual’s health. DrugRehab.org can help you learn more about the Blue Cross Blue Shield policies that are available in Massachusetts or assist with the process of finding an appropriate policy for your personal goals, budget and needs. Contact us at DrugRehab.org today.
Massachusetts Drug and Alcohol Rehabs
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