HealthChoice is an Oklahoma health insurance company that offers plans to employees of state and local governments, education employees, as well as former employees, and surviving dependents.
Treatment programs for addiction and other behavioral health issues may be fully or partially covered under HealthChoice plans.
How To Determine HealthChoice Benefits For Substance Abuse Treatment
If you’re ready to seek treatment for substance use disorder, it can be tough to know where to start, and the treatment options can feel overwhelming. Learning more about your insurance plan is a good jumping-off point. Your specific coverage may depend on your policy.
To learn more, you can:
- call the number on your insurance card
- contact an insurance representative directly
- read your plan policy online
- call a treatment center to verify your insurance coverage
Does HealthChoice Cover Detoxification Programs?
While HealthChoice plans do not explicitly cover detoxification, they do cover medically necessary inpatient and outpatient treatment.
If your doctor or therapist deems medical detox to be a part of your inpatient or outpatient treatment process, you may be fully or partially covered by your HealthChoice plan.
Does HealthChoice Cover Inpatient Drug Or Alcohol Rehab?
HealthChoice may fully or partially cover your inpatient treatment for substance use disorder if deemed medically necessary by your doctor or other members of your care team.
Inpatient or residential treatment programs provide 24-hour care and support for yourself or a loved one. Along with evidence-based therapies, these rehab programs also focus on overall health and wellness.
Does HealthChoice Cover Outpatient Drug Or Alcohol Rehab?
For many people, inpatient treatment is not an option due to other responsibilities. HealthChoice may partially or fully cover your outpatient drug or alcohol rehab if deemed medically necessary by your healthcare professional
Does HealthChoice Cover Intensive Outpatient Treatment?
Intensive outpatient treatment is more intense than counseling sessions but does not require patients to live at the facility in order to receive treatment. Your HealthChoice plan may fully or partially cover intensive outpatient treatment.
Does HealthChoice Cover Partial Hospitalization Programs?
Partial hospitalization programs are the most intense type of outpatient treatment. During partial hospitalization, patients go through full days of rehab programming, returning home to sleep at night.
Your HealthChoice plan may cover your partial hospitalization program if deemed necessary by your doctor.
Does HealthChoice Cover Methadone Or Suboxone Treatment?
Your doctor or other healthcare professional may recommend medications like methadone or Suboxone in combination with behavioral therapy to increase your chances at long-lasting recovery from opioid use disorder.
Does HealthChoice Cover Medication-Assisted Treatment For Alcohol Addiction?
Your HealthChoice plan may cover medication-assisted treatment for alcohol addiction if this type of alcohol treatment is deemed medically necessary by your healthcare provider or a trained clinician.
Where Are HealthChoice Plans Available?
HealthChoice plans are available to residents of Oklahoma who currently work or have worked in state or local government, or education, as well as surviving dependents.
Types Of HealthChoice Plans
HealthChoice offers several plan options, including:
This plan requires an individual deductible of $750 and a family deductible of $2,000, with co-pays ranging from $30-$300.
HealthChoice High Alternative
This plan requires an individual deductible of $1,000 and a family deductible of $2,750, with co-pays ranging from $30-$300.
HealthChoice High Deductible
This plan requires an individual deductible of $1,750 and a family deductible of $3,500, with co-pays ranging from $30-$300.
This plan offers first dollar coverage of up to $500, followed by an individual deductible of $1,000 and a family deductible of $1,500.
HealthChoice Basic Alternative
This plan offers first dollar coverage of up to $250, followed by an individual deductible of $1,250 and a family deductible of $1,750.
Understanding Out-Of-Pocket Costs
When you begin the process of selecting an addiction treatment facility, it’s important to understand any out-of-pocket costs that may be your responsibility.
You can talk with your insurance provider and your treatment facility about co-pays, deductibles, and other issues that may influence how much you’ll be expected to pay at the end of treatment.
At Ark Behavioral Health, we know it can be tough to understand your insurance — call us today to verify coverage and learn more about your treatment services.