Over 332 million people live in the United States. For every eight seconds that pass, another child is born into American citizenship. And every twelve seconds that pass, another American citizen moves from life into death. Between birth and death, each human being experiences an expanse of invaluable time and events, even for a short time, that we refer to as life.

Of course, every man, woman, and child is familiar with the concept of life. And as children grow older, they also begin to understand the idea of birth and death better. Life is not a new concept for any person to consider. And life is not simply the presence of self-sustaining chemicals and animation in an object. Life is full of experiences, events, love, loss, and even the conservation and creation of old and new life alike. Every human shares life. But even though every individual share in living life, that does not mean that they all experience life in the same manner.

Some people will choose to seek adventures and experiences above all other things. Still, others will select relaxation and comfort as the pivotal point to build their life around. Even different individuals may frame how they live their lives around many other values, fears, or desires. No matter what the driving motivation for life is, almost every person can agree that life, although challenging at times, is precious. And something as unique as life needs protection for preservation.

Good health drives human life. Without good mental, emotional, spiritual, and physical health, individuals can suffer from a wide range of adverse effects. And poor health can lead to harmful, if not altogether life-threatening, modes of living. An individual should try their hardest to live a life that promotes good health, so that they may enjoy as much of their time on Earth as possible. But what even is health? And how can we promote good health?

The Definition of Health and Health Insurance

Health, consistent with the considerations of life, is not a new concept. Although the meaning of health may vary per individual, the definition of a healthy life remains consistent all the same. The definition of health refers to a state of complete emotional, mental, and physical well-being. Good health is not only the absence of disease or infirmity in a person. It is a positive objective for living that significantly supports an individual’s place in broader society. Health is not just a means to an end, but instead, a means for individuals to live a purposeful and whole life they are proud to live. Everyone wants to live a long and happy life.

Unfortunately, despite the public’s yearning to live long and happy lives, the desire to live healthy lives amongst American citizens does not always prevail. Many individuals in the United States are determined to live rather unhealthy lifestyles. The average life expectancy ranges from only 74 to 77 years, with projections for years lived on a steady decline. Even so, many people in the United States recognizes the importance of good health. But good health is not always easily accessible.

For these reasons, insurance companies and networks across the nation work diligently to help people obtain opportunities to pursue good health. Whether through providing yearly check-ins to ensure that a person is remaining well or providing opportunities for clients to engage with specialists, health insurance helps individuals pursue good health by making the costs of care in any scenario affordable for the client. Of course, like drug and alcohol rehabilitation centers such as St. John’s Recovery Place (SJRP) in Crescent City, FL, insurance companies do not all operate in the same manner. Although many insurance networks, again similarly to addiction treatment centers, will base their expenditures per client on a set of predetermined principles and guidelines.

About BCBS Federal Insurance

Blue Cross Blue Shield (BCBS) is a well-known insurance company with many sectors of care. Within these 35 different margins of care, BCBS works to provide health care insurance services to over 106 million United States citizens. American health and overall community wellness from birth to death is at the heart of the company’s mission. And through advanced research, analytics, and innovative services, BCBS helps support various clients through their every medical need.

BCBS Federal Insurance is a sector of health care insurance that works to serve current federal employees, retirees, and their families. Like other BCBS insurance providers, this section of the company offers a wide variety of benefits. The core benefits of the BCBS Federal Plan include:

  • Annual checkups
  • Vaccines
  • Screenings
  • Urgent care visits
  • Generic drugs
  • Chiropractor visits
  • Acupuncture
  • Virtual doctor visits

Meanwhile, wrap and non-core BCBS Federal benefits will cover everything from primary care and specialty visits to allergy treatments, emergency services, physical therapies, maternity care, and laboratory work. BCBS Federal makes sure to cover their clients whether they live in the United States or outside of the nation for employment. And if you or a loved one struggles with a substance use disorder or addiction, financial assistance may be accessible to you through this insurance provider as well.

There are three BCBS Federal insurance levels. The overall BCBS Federal network encompassing 96% of hospitals, 95% of doctors, and over 60,000 pharmaceutical servicers. Even with being designed to fit the needs of federal employees and their families, BCBS Federal is an affordable care plan that even retirees can manage easily. Since 1929 BCBS has led the health care industry to care for the community and emphasize the importance of good health. And today, the company continues to go work to meet the needs of every individual in its consumer network.

Using Health Insurance for Treatment

Still, even though BCBS and its Federal insurance coverage are meant to be user-friendly, understanding the dynamics of health care coverage can prove challenging. The good news is, you do not need to be an insurance master at getting your health care provider to work for you. Every insurance company operates a little differently, but they also share many similarities. Some companies may not be able to work in every State in the same manner. Others may not provide the same amount of coverage for each health condition as another. Above all else, the amount of financial assistance you receive will depend on the type of insurance package plan you enroll in. But at the end of the day, your insurance package is there to help make annual, emergency, and specialty medical care affordable for you. The typical insurance levels provided to clients include:

  • Exclusive Provider Organizations (EPOs)
  • Health Maintenance Organizations (HMOs)
  • Point of Service Plans (POS)
  • Preferred Provider Organizations (PPOs)

Clients can enroll in either a bronze, silver, gold, or platinum insurance plan within each of these levels. These ranks help gauge the type of insurance package a client has and thus how much they will pay for their deductibles, copays, premiums, etc., and determine which types of services clients are entitled to financial assistance with and for how much monetary help they will receive. Insurance is difficult to understand, but you do not need to be an expert in the terminology to get your package to work for you. Although, it does make it easier if you are familiar with some of the key insurance concepts out there. Some terms you may find helpful to know include:

  • Premiums: The amount you will pay for your health insurance plan each month.
  • Coinsurance: The share of medical service or health care costs that you will pay out of pocket, typically calculating to around 20% of the price of the allowed service.
  • Deductible: The amount of money you owe the insurance provider before your health care package is made active.
  • Copayment: The amount you pay for each medical service you receive, such as a specialist doctor’s visit, at the time of your visit.
  • Network: The doctors, hospitals, and health care suppliers that have pre-arranged contracts drawn up with your insurer that you can receive treatments at the lowest cost.
  • Out-Network: All other doctors, hospitals, and medical service suppliers that do not directly work with your insurance provider.

Here at St. John’s Recovery Place (SJRP), we accept more than 30 different insurance providers with whom our clients may have policies. Our goal is not to make treatment and navigating the complexities of insurance care trickier but to make inpatient rehab and addiction recovery possible for everyone who wishes to pursue the path of healing. We offer a wide variety of traditional and holistic treatment services, all of which are therapeutic methods proven to help clients of all ages and backgrounds, men and women, to heal scientifically.

We view every member of our treatment and healing community as family members. And we want to see our family succeed in all they do, throughout the recovery process and beyond, so they can live happy and healthy lives they are proud of. If you or a loved one struggles with a substance use disorder or addiction, the world may seem like a scary and unpredictable place as you navigate the challenges of drug and alcohol abuse. But the good news is healing is possible! Call us at 1-833-397-3422 to learn more about our recovery therapies, our relationship with BCBS Federal, and how we can help meet your specific needs. You will not regret calling. Don’t let addiction, alcohol, or drug abuse rule your life one second longer. Start your recovery journey today.

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