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With a large network of providers offering behavioral health services, including addiction, recovery and treatment services, Optima Health is another insurance provider that Beach House works with to ensure that you, as an Optima Health member, can utilize your insurance benefits and receive coverage for inpatient or outpatient drug or alcohol treatment.
DOES OPTIMA HEALTH COVER DRUG AND ALCOHOL DETOX?
Drug and alcohol detox that is deemed medically necessary by a referring primary care provider (PCP) should qualify for Optima Health coverage. Any out-of-pocket expenditures, such as deductibles, coinsurance, copayments, or similar charges, can vary depending on the particular insurance plan and the type of detox program that you’re enrolling in (whether it is inpatient or outpatient).
Most Optima Health plans will require that a deductible be met before coverage kicks in— at which point, members can expect to pay either a copayment or coinsurance charge (depending on the plan) for detox services.
WHAT ARE SOME OF THE BENEFITS THAT OPTIMA HEALTH OFFERS FOR ADDICTION TREATMENT?
With the understanding that addiction is a medical illness much like diabetes, and therefore equally in need of treatment, Optima Health covers a range of services for its members. These include: addiction treatments in a variety of settings, whether inpatient, outpatient, residential or community-based; and medication-assisted treatments (MAT) where a MAT is deemed medically necessary for your addiction disorder. Optima Health members also enjoy access to an extensive network of providers.
WILL OPTIMA HEALTH PAY FOR MY ENTIRE STAY FOR DETOX AND RECOVERY?
Optima Health provides coverage for inpatient rehab. Once a deductible has been met, an individual plan will cover 5-30 percent of the costs for inpatient rehab (depending on the plan). Prospective Beach House clients with the OptimaFit Catastrophic Plan may even be eligible for full coverage of inpatient treatment (after the deductible has been met).
HOW DO I FIND OUT IF MY OPTIMA HEALTH INSURANCE POLICY INCLUDES COVERAGE FOR DRUG REHAB AND DRUG AND ALCOHOL DETOX?
To find out if your Optima Health insurance policy includes coverage for drug rehab and drug and alcohol detox—and for greater peace of mind that your interests are being taken care of—we recommend calling our insurance assistance specialist at (800) 796-1196. Our insurance assistance specialist has a wealth of experience in working directly with Optima Health to verify insurance benefits, and will be able to advise you about what addiction treatment services will be covered, and to what extent, under the terms of your plan. The whole process takes less than an hour, and will save you the stress and uncertainty of having to verify these benefits on your own.
Is a drug or alcohol problem becoming unmanageable? Treatment can help. Call our insurance assistance specialist today at (800) 796-1196 to explore how Optima Health can support you in finding freedom from addiction.