Private health insurance in Florida is any health insurance coverage that is offered by a private entity instead of the state or federal government. According to the Census Bureau, in 2018, approximately 13% of Florida residents were without health insurance. Also, approximately 62.3% of residents had private health insurance, while 31.7% had public health insurance coverage. Private health insurance does cover some or all the costs of drug and alcohol rehab. The state of Florida uses the federally facilitated marketplace, and short-term health insurance plans are also sold in Florida. Nearly 1.9 million Florida residents enrolled in exchange plans for 2020, and over 4.6 million Florida residents are enrolled in Medicare. Health insurance is commonly used to cover the cost of treatment, whether through a residential program or an outpatient center.
According to the U.S. Centers for Medicare and Medicaid, all marketplace plans cover mental health and substance abuse services as essential benefits. All plans must cover behavioral health treatment, mental and behavioral health inpatient services, and substance use disorder treatment. Marketplace plans cannot deny an individual coverage or charge more because of pre-existing conditions. According to the Census Bureau, in 2019, 8% of the population or 26 million Americans did not have health insurance at any point during the year. Private health insurance coverage was more prevalent than public coverage, and employment-based insurance was the most common subtype. Overall, the percentage of people with health insurance coverage for all or part of 2019 was 92%.
Advantages of Private Health Insurance for Substance Abuse Treatment in Florida
Within the United States, the Affordable Care Act includes substance use disorders as one of the ten elements of essential health benefits. Health insurance that is sold on Health Insurance Exchanges or provided by Medicaid must include services for substance use disorders. Private health insurance plans are for people and families that could be sought out independently, through an employer or member association. Private health insurance plans cover some or all the cost of treatment. However, private plans often incur higher out of pocket premiums but offer a better degree of flexibility. Private plans may also allow for more treatment options other than public plans. Typically, private health insurance falls within three categories: Health Maintenance Organization, Preferred Provider Organization, and Point of Service Plans. Using health insurance to cover the cost of treatment does benefit the family and individual.
The Difference Between Private Health Insurance and Medicaid/Medicare
One difference between public and private health insurance is eligibility. Public health insurance options have a qualifying criterion like age and income. Medicare is a federal program for adults over the age of 65 and certain disabled individuals. Medicaid is a state-run health insurance program for low-income individuals, and every state is required to provide Medicaid. Another difference between public and private insurance is the various types of private insurance plans that are available. For example, there is an option to enroll in a group plan through an employer, or a person can select their own private plan, chose a plan through the state or federal marketplace, and or choose short-term coverage.
List of Drug & Alcohol Treatment Centers Covered by Private Health Insurance in Florida
Below, you can find a listing of the different drug rehab centers covered by Private Health Insurances in Florida. 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.