Affordable Substance Abuse Treatment Insurance Coverage Now Available for All
New Flash: Whether or not you personally like President Obama and his Affordable Care Act, it exists and coverage offered must include mental health and substance abuse, without a coverage holdback for pre-existing conditions.
That is a big deal for those of you who need treatment for substance abuse, or have family members and friends who need treatment for substance abuse.
And so far, the premiums for personal insurance policies are reasonable and coverage begins very quickly. Last week a client who enrolled on Wednesday was already covered by Saturday. And, although she was already covered by Medicaid, the new insurance became her primarycoverage, allowing Premera to bypass the Medicaid bureaucracy.
We have been working with alumni and potential clients since last fall, trying to figure out which policies offer the best “out of network” substance abuse coverage (both Malibu Beach Recovery Centers are “out of network” with all insurance plans).
So far, the national personal policies offered by Cigna and Aetna are expensive and do not offer substance abuse coverage as affordable or broad as the State policies.
Here are some of the best personal state insurance policies we have found:
1) California: Health Net Platinum PPO
Here is the name of an agent who helped several clients and alumni subscribe to this policy:
Navali & Company
11601 Wilshire Blvd., Suite 500
Los Angeles, CA 90025
310-954-0053 Ext. 2010
800-246-2310 or 415-505-8347
2) Washington State/Oregon/Alaska: Premera Blue Cross Gold 1000 PPO
Here is the name of a Premera agent at who helped another client subscribe to this policy:
P (509) 252-7940
F (425) 918-5506
3) Florida: Blue Select All Copay 1457
Agents: Tim (904) 240-3165
Sheryl Sherlton (727) 204-4696
As we get news of substance abuse good coverage in other states, we will update this article.