Private health insurance coverage is common for most Alaska residents, and most health insurance providers cover some or all of the cost of treatment. Generally, private health insurance refers to any health insurance coverage that is offered by a private entity that is not state or federally funded. There are many different private health insurance options for Alaska residents through the federal health insurance marketplace. According to the United States Census Bureau, approximately 12.6% of residents were without health insurance. Public health insurance covers some of the cost of drug rehab, but not as well as private health insurance.
Within the state of Alaska, approximately 64.5% of residents have coverage through private health insurance, while 34.6% are covered through a public health insurance provider. Overall, within the United States, approximately 8% of the population did not have health insurance in 2019. Private health insurance coverage was more prevalent than public coverage, covering 68% and 34.1% of the population at some point. Employment-based health insurance was the most common subtype of health insurance in America. Within Alaska, over 100,000 people were enrolled in Medicare as of 2020. Every private health insurance plan is different, but most provide coverage for drug and alcohol rehab.
Advantages of Private Health Insurance for Drug Addiction Treatment in Alaska
When searching for drug and alcohol treatment centers, it is a good idea to contact your insurance provider. Most private treatment centers in Alaska accept private health insurance, and the insurance plan may cover some or all of the cost. When considering to use health insurance to pay for drug rehab, it is important to know whether prior authorization is needed for treatment. The family should also inquire if a deductible amount for their plan is needed or if they have a co-pay responsibility. Prior authorization for treatment shows that the individual has a need for addiction treatment. Most private insurance plans come with a deductible or an amount an individual must pay towards treatment. Also, most treatment centers will help patients and their families figure out co-pays with the insurance provider.
The Difference Between Private Health Insurance and Medicaid/Medicare
Public health insurance is a choice for many Americans. Medicare is a federal program for adults over the age of 65 and certain individuals with disabilities. Medicaid is a state-run public health insurance program for low-income individuals. Within the state of Alaska, from late 2013 through 2020, enrollment in Medicaid plans had grown by 88% in Alaska. One main difference between public and private health insurance is eligibility. Public health insurance options have a criterion to meet, such as age and income. Private health insurance is available to anyone who can afford to pay the premiums. However, there does tend to be more coverage for substance abuse treatment with private health insurance. Within the United States, 68% of Americans have private health insurance, and UnitedHealth Group Inc. is the leading health insurance group in the country by market share.
Below, you can find a listing of the different drug rehab centers covered by Private Health Insurances in Alaska. The list can be incomplete so if you do not find what you are looking for, please do not hesitate to contact one of our treatment specialists at 1-800-304-2219.