Hawaii Insurance Options for Drug Rehab
The most commonly abused drugs in the state of Hawaii include methamphetamine, marijuana, and cocaine, and overcoming an addiction to any of these drugs can prove difficult. If you or someone you love are dealing with addiction, starting rehabilitation treatment immediately is important. If you’re worried about how you can afford treatment in Hawaii, don’t let money hold you back. Many insurance plans cover drug rehab, and even if you don’t have insurance, you still have options. Learn more about the Hawaii insurance options for drug rehab and the different types of treatment programs available to you.
Hawaii Insurance Coverage
Healthcare reform bills passed within the past several years have changed healthcare coverage for drug and alcohol rehab on a national level. The Affordable Care Act classifies mental health and addiction treatment as mental health benefits and plans that fall under the Affordable Care Act offer at least some coverage for addiction treatment. In 2008, the Parity Act became a law, and it prohibits health insurers and group health plans from including unfavorable and unfair limitations on substance abuse and mental health benefits in comparison with the surgical and medical benefits offered.
State mental health parity laws can vary greatly, and the state of Hawaii only requires limited parity, which means that equal coverage is limited to a specific group of mental health problems. Serious mental illnesses are covered by Hawaii plans, but some plans may not provide coverage for drug or alcohol rehab.
Health insurance plans bought through the national healthcare exchange and Medicaid plans available in Hawaii do offer coverage for rehabilitation. The Affordable Care Act (ACA) requires that addiction treatment must be covered as other procedures are. Some of the benefits that may be available to patients with Medicaid plans or plans bought through the national healthcare exchange include:
- Drug and alcohol testing
- Family counseling
- Anti-craving medications
- Addiction evaluations
- Clinic visits
- Addiction treatment medications
- Brief interventions
Several different types of ACA-sponsored health plans are available, and the number of addiction expenses covered can vary by plan. The available plans include:
- Catastrophic Plans – 60% of total average cost is covered
- Platinum Plans – 90% of expenses are covered
- Gold Plans – 80% of expenses are covered
- Silver Plans – 70% of expenses are covered
- Bronze Plans – 60% of expenses are covered
Healthcare Plans in Hawaii
Health insurance providers offering plans in Hawaii include the following:
Assurant Health Insurance
Assurance health insurance company offers short-term, individual, group, and student health insurance plans. Limited-benefit and fixed-indemnity plans are available, making coverage affordable for members. Some plans may only have limited coverage for substance abuse treatment, while others may offer complete coverage for certain types of rehabilitation.
Hawaii Medical Service Association
HMSA offers many different types of plans within the state of Hawaii, including private plans, employer-sponsored group plans, Affordable Care Act Compliant plans, and Medicaid plans. The exact coverage for drug rehab varies from plan to plan. However, for individuals on Medicaid, the HMSA Medicaid plan offers QUEST integration, providing behavioral health services at no cost to patients.
Kaiser Permanente Health Insurance
Kaiser Permanente offers several different types of healthcare plans, including individual plans, employer-based group plans, and senior advantage plans. The exact coverage amounts for drug rehab vary from plan to plan. Individual plans are usually rated as Platinum, Gold, Silver, and Bronze, and each type of plan comes with different deductibles, copays, premiums, and out-of-pocket expenses. Most of the plans offered by Kaiser Permanente include some coverage for residential treatment, outpatient treatment, transitional care, and medical detox.
United Healthcare mainly offers community group plans and employer-based plans in Hawaii, and several different options may be available to suit the unique needs of members. Mental health and addiction treatments are covered by United Healthcare plans, although the coverage amounts vary based on the specific details of each individual policy.
Other Hawaii Drug Rehab Insurance Options
Drug-Specific Coverage in Hawaii
Drug and alcohol rehabilitation coverage in Hawaii generally isn’t drug specific. Most types of addiction treatment are covered, particularly if you’ve had an addiction evaluation by a doctor and had a medical recommendation for treatment. In some cases, rehabilitation treatment that doesn’t require an inpatient stay may not be covered by insurance companies, but coverage varies greatly by the plan, so it’s important to check with your insurance company to see what is covered.
Keep in mind, even if your insurance doesn’t cover a specific type of rehab or if you are currently uninsured, you still have options to help you afford drug rehab. Some employers may help cover addiction treatment, and some treatment centers can help you find financial aid to cover the treatment you need. Payment plans are often available to help you afford rehab as well.
Hawaii Treatment Programs Available
Several different types of addiction treatment are available in the state of Hawaii. Many of these programs are covered by insurance plans, but you’ll need to check with your insurance company to see which programs are covered and how much of the cost they will cover when you seek treatment. Common treatment programs in Hawaii include:
- Medical Detox Programs – Medical detox programs are used to help patients detox from drugs that commonly cause intense withdrawals. Medications and other medical interventions are often needed to help patients through the detox stage, and medical detox programs include withdrawal management services under the supervision of medical professionals.
- Outpatient Treatment Programs – Outpatient treatment programs may be used in cases where the drug does not cause significant withdrawal symptoms, or they may be used after a patient has gone through medical detox. They include specific therapies for substance abuse disorders, such as group therapy, individual therapy, and family counseling. An outpatient program may be an excellent choice for patients who need addiction treatment while they take care of responsibilities at home or at work.
- Residential Treatment Programs – Inpatient or residential treatment programs are often recommended for patients who cannot function outside of an inpatient treatment environment. Most programs last for 30, 60, or 90 days, although in rare cases programs may be longer. Health insurance companies often want documentation provided by a physician that the patient requires 24-hour supervision before they will cover this type of treatment. Residential programs may include detox treatment, counseling, group and individual therapy, behavioral therapy, and other treatments designed to reduce the risk of relapse.
- Transitional Care Programs – Transitional care programs are often used to help patients make the transition from treatment back into the community. This may include time in halfway houses of sober living facilities, giving patients extended support as they get back to their life.
- Dual Diagnosis Programs – Dual diagnosis programs are designed for patients who have other mental health problems along with an addiction. These programs ensure that both the addiction and the mental health disorder is addressed to reduce the risk of relapse when the patient completes treatment.
Many health insurance plans do offer coverage for Hawaii drug rehab to enable you to get the help that you need. While coverage varies from plan to plan, most plans offer some type of coverage. Make sure you find out what your health insurance plan will cover. Even if you have no coverage or your plan only covers part of your treatment, it’s still possible to find additional financing to ensure you can afford the treatment you need to get your life back on track.