Knowing How to Read Your Insurance Card
Every insurance card is different. Whether you have Blue Cross, Aetna, UnitedHealth, Cigna, Coventry, Providence or any other healthcare insurance, you most likely have a unique health insurance card to carry with you. But when you are seeking help in a crisis situation or a very serious situation like a need for drug or alcohol detox, rehab or substance abuse treatment. Medical care for substance abuse is not generally listed on your insurance card. We can help you understand your insurance coverage and we also provide live counselors to offer council and advice on every aspect of substance abuse treatment including interventions, rehab, detox, long-term treatment, counseling, family therapy and more. In the meantime, here are some basic things to be aware of about your insurance card. First, never share your insurance card with friends or family. The information on your insurance card is unique to you and contains some vital information you will want to have handy before seeking treatment:
- Make sure you know your group number. This number lets your medical provider know what your insurance covers and does not cover. Because most insurers work with several companies and groups of people, each group is different and has different advantages.
- Make sure you know your ID number. Your ID number is your unique ID that allows medical caregivers to know what you pay and what is covered. This is your key to getting the help you need.
Important Terms to Understand Your Health and Treatment Coverage
There are some terms to be familiar with when you are buying health insurance or seeking medical treatment or drug or alcohol treatment. Don’t be left in the dark when the following terms are addressed:
- Premium—what you pay every month to have health insurance.
- Network—all the doctors, therapists, psychiatrists, treatment centers, rehabs and hospitals you can have covered under your insurance plan.
- Deductible—what you have to pay before your insurance kicks in and begins to cover your medical costs. The lower your deductible, the more money you save.
- Copay—this is the amount you pay (your cost share) every time you visit a doctor or a hospital. This is typically paid when you enter a treatment facility or before a doctor’s visit
How Do I Know if I Have Mental Health Coverage?
Most likely, if you have health care coverage, you will have mental health care coverage. In 2008, the federal government passed legislation that required insurance companies to give equal coverage for mental health services that it gives for general health coverage. This new law, the Mental Health Parity Act means that your fees will be the same for health coverage and mental health coverage. But only if you have behavioral or mental health coverage included in your plan. This is very important to check on before receiving treatment!
Help Finding Substance Abuse Treatment with Your Medical Insurance
If you need help treating a mental illness or substance abuse problem and have questions about your mental health coverage, we can help. We offer a toll-free, 24-hour helpline that is staffed by trained, dedicated counselors waiting to guide you through everything from insurance coverage, mental health and substance abuse treatment, interventions, counseling, family and individual care and more. Speak to a live person and find out your options. All of our calls are confidential. Let us help you today.