There are different types and levels of insurance plans, and one of the most common is called a PPO, which stands for Preferred Provider Organization. This type of policy typically has variable coverage amounts and percentages for in-network and out-of-network providers (in this cased, treatment facilities).
For example, the policy may have a lower deductible and higher coverage percentage if you stay in network, but that doesn’t necessarily mean it’s the best choice. The reason is that someone becomes limited to only participating facilities and their pre-arranged fee schedules with the insurance carrier.
On the other hand, there might be a lower percentage of coverage for an out-of-network facility, but the actual amount paid out in terms of benefits could be much higher since there aren’t pre-negotiated rates. When that is the case it can often open the door to many other rehab programs that you might not have been aware of before.
If you’re unsure about whether or not you have a PPO plan, or would like to find out what type of substance abuse coverage your policy has, contact Addiction Treatment Services and we’ll do our best to not only help answer those questions, but also assist in finding a top-notch rehabilitation center.