Health insurance helps addicts cover the costs of drug rehab, as some of these drug rehab programs in New York state can come at significant costs. Services in the state include residential and outpatient drug treatment for men, women, and teens. There are some drug rehab programs in the state that can provide specific services for opiate addicts, DUI and DWI offenders, and also addicts caught up in the criminal justice system. Whatever the type of rehabilitation may be. It is important that an addict finds the right kind of help and gets into a drug rehabilitation program that will be able to handle their substance abuse problems. Most drug treatment centers have everything a person may need to go through the program and be able to see success while maintaining their sobriety in the long term.
Humana Health Insurance in New York State Covering Drug Rehab
Humana is one of the largest medical insurance companies in the nation with more than nine million members. The company offers health insurance coverage and related services to individuals, workgroups, and government-sponsored plans. There is a wide range of policies available such as HMO, PPO, prescription drug plans, and Medicare. There is also an extensive network, which includes more than 350,000 healthcare providers, 3,000 hospitals, and 50,000 pharmacies across the country. Those who have a Humana health insurance plan and live in New York will have coverage for substance abuse treatment, depending on the type of policy they have. According to the New York State Official Health Plan Marketplace, more than 3.6 million New Yorkers enrolled in a health plan in 2017 during the open enrollment period.
Approximately 18% of the state population enrolled in a health plan through the New York State of Health at the end of 2017. Through the open market place in New York, residents typically have a broad choice of health plan options. In 2017, approximately 94% of residents in the state had health insurance coverage. Having health insurance is necessary because it covers the medical needs any individual or family may have. Most health insurance plans include substance abuse treatment, but each plan is unique and different from the next. If you are unsure if your Humana health insurance plan covers treatment, you can contact your insurance provider, or most treatment programs can help you walk through the policy.
The Cost of Health Insurance in New York State
Whether you have a plan through Humana Health Insurance or another provider, there is a monthly cost. Health insurance is used by some to cover the cost of substance abuse treatment. However, every plan is unique and different, and the extent of coverage varies. The cost of health insurance in the state depends on the type of plan you have. Some New Yorkers are receiving government subsidies to cover health insurance costs. Yet, without government subsidy, the cost of health insurance varies. Within the nation, the average premiums for individual coverage averaged $440 per month, while family plan premiums averaged $1,168 per month. There has been a steady increase in premium costs since 2014.
The annual deductible for individual’s plans was around $4,578, and the family plan deductible was about $8,803 and these have been increasing since 2014. The average individual in New York will pay about $206 for a catastrophic plan, and roughly $709 for a platinum plan per month. Moreover, $434 for bronze plans, $498 for silver plans, and $597 for gold plans. The average monthly premium for adults between the age of 55 and 64 is approximately $790. Additionally, for younger adults between 18 and 24, the average monthly premium is $257. Based on eHealth’s Health Insurance Price Index Report for 2018, women pay on average $461 in monthly premiums, and men pay around $418 per month.