Health insurance is often a challenging concept to comprehend. Everyone in the United States needs health insurance, but very few understand precisely what it is and how it works to its fullest extent. The good news is, you do not need to fully comprehend every aspect of your health insurance plan for it to work for you. Health insurance is a necessary service to purchase for you to afford your medical treatments and some prescription medications. Health insurance helps you pay for your regular medical maintenance needs and can help you receive any extra services you may need.

If you or a loved one suffers from a substance use disorder or addiction, it is possible to use your health insurance package to help you pay for your rehab services. Still, even though every health insurance provider makes allowances for substance abuse treatments, not every program plan will work the same. Some insurances may be able to provide you with more assistance than others. Navigating the insurance world can prove challenging but gaining a general understanding of how health insurance works and learning to use it to your benefit is not impossible.

The Basics of Health Insurance

Health insurance coverage exists to help consumers pay for their necessary medical treatments and services. These services may include specialized equipment, regular upkeep and maintenance, emergency or non-emergency hospital care, medications, and individual providers. Health care coverage is a nationwide staple of service for the American people, but not all insurance providers are available in every State. And for the insurance providers that operate in various states, their terms of service may vary with the region they operate in.

Not all insurance plans, providers, or services are the same. There are several types of insurance plans you can pay to receive the necessary finances for the treatments you wish to receive. Some of these plans may limit the kinds of services you can receive, the providers you seek treatment from, or the pharmacies you may use, etc. Depending on your insurance provider, the region of the nation you live in, and how many converge plans providers are offering in your area; you can have the potential to choose from one of four car levels; bronze, silver, gold, and platinum. Some of the different types of insurance plans you can enroll in include:

  • Exclusive Provider Organizations (EPOs): Where your care services cover only specific providers, specialists, or hospitals within your insurance’s network.
  • Health Maintenance Organizations (HMOs): Where your care services may limit you to specific providers within your network of care, except for emergency services. But may also ask that you live within a particular region of a State to be eligible for coverage.
  • Point of Service (POS): Where you can use providers and other health care services outside of your provider’s network but may pay more for the use of such care. You will need to acquire a referral from your primary care physician to use outside providers and still receive coverage.
  • Preferred Provider Organizations (PPOs): Where you can use providers, specialists, hospitals, and all other types of medical care services outside of your network, but you will pay more for using such care outlets. Whereas if you use the in-network care services, you can spend less on your copays.

Not every insurance plan will be able to provide you with optimal care for every condition. Traditionally, the more you pay into an insurance policy, the more you may be able to get out of it in terms of comprehensive services. Still, even affordable health insurance plans can help you get the care that you need. And if you or a loved one of yours is struggling with a substance use disorder or addiction, you can feel reassured knowing that by law, your insurance coverage provider must allow for some form of drug and alcohol rehab services. These addiction treatment services may often only cover traditional healing methods through your insurance, but any assistance towards recovery is a step in the right direction. To make looking for the right insurance plan for you a little easier, here are a few insurance definitions you may find helpful to know:

  • Network: The cumulative source of all doctors, specialists, hospitals, suppliers, etc., that have a contract to work with your insurance provider to provide services to consumers.
  • Out-of-network: The cumulative sources of all doctors, specialists, hospitals, suppliers, etc., that do not have a contract with your insurance provider.
  • Copay or copayment: A set price or amount that you pay as your share in the cost of your treatment. This can be the amount you pay for a specialist visit or what you pay each time you see your doctor.
  • Deductible: The amount of money you owe your insurance provider to pay before your health coverage can begin to take effect.
  • Premium: The amount you pay towards your health insurance plan each month. This amount may be taken directly from your paycheck at each pay period automatically if you so choose at enrollment.
  • Coinsurance: The share of your cost for your treatment services that you will pay for through copays, etc. Generally, this amounts to around 20% of the total cost of treatment services.

The specific services and coverage available to you will depend on the state you live in and the type of insurance package in which you enroll. Not all drug and alcohol rehab facilities you will have an interest in will accept your insurance policy. Still, fear not, as there are plenty of addiction rehab centers that will be able to work with you and for you on every level, including accepting your health care coverage provider. Accepting that you may need assistance with a drug or alcohol use problem takes a lot of courage. Working through addiction rehab can feel overwhelming and scary. Still, the good news is, you can beat substance abuse, and your insurance provider can help you get one step closer to successfully starting your recovery journey.

About Behavioral Health Systems in Florida

So, now you may be wondering, what do you need to know if you have an insurance policy with Behavioral Health Systems in Florida? Behavioral Health Systems, Inc., also known as BHS, was initially formed in Birmingham, AL. The company was originally a privately held corporation, born in 1989 and run by founder Deborah L. Stephens.

Today, BHS has grown exponentially as a company. Close to BHS’s inception, Stephens and company recognized the need to expand upon their range of services, expanding their network to include a full range of complementary behavioral health services and products. This led to the development of several programs, including:

  • Behavioral Comp Management
  • Safety First
  • Wellness First
  • Behavioral Rx Management

And more. Now BHS works to provide services in 48 States across the nation, providing services to over 500+ clients with a network of over 30,000 providers. The company’s superior client cost savings of 20 to 50% on average has led to exponential growth throughout the entirety of Behavioral Health Systems. And with a 96% satisfaction rate amongst client consumers since 1994, BHS has risen to be the 16th leading insurance industry in the nation today.

At Behavioral Health Systems, behavioral health is at the core of all they do. They recognize the importance of proper mental health treatment and support. And thus, they work to provide their clients with every service they may need to work the path towards healing.

BHS and Substance Abuse Rehab Coverage

As a company that dedicates itself entirely to providing a quality, wide range of behavioral treatments and services, BHS works tirelessly to aid and support those working through drug and alcohol rehabilitation programs. Their mission exists to provide their clientele with comprehensive behavioral health services at every twist and turn in life. BHS does this by ensuring their services are cost-effective, quality programs that work to reduce the cost of addiction treatment, ensure uniform accessibility to all clients, and aid in managing substance abuse disorders without the strict use of traditional rehabilitation therapies.

As a result, BHS programs work to meet the needs of both their employers and beneficiaries. They recognize the importance of flexibility in addiction treatment and, in turn, work to reflect the same fluid design of treatment services with their cost-effective, accessible, high coordination ability in all of their program policies and procedures. Each program tailors to meet the employer’s needs and work in tandem with BHS’s other medical benefit plans. Some of the Behavioral Health System’s most well-known medical benefits include:

  • BHS Wellness
  • BHS Coaching
  • Disease Management
  • Behavioral Comp Management
  • Managed Care Services
  • Integrated MHSA Programs
  • Critical Incident Stress Debriefings
  • Employee Assistance Programs (BHS A.S.S.I.S.T.)
  • Safety First Drug Testing
  • National Behavioral Health PPOs

BHS recognizes the importance of quality care and a solid support system. Likewise, drug and alcohol rehab facility St. John’s Recovery Place (SJRP) acknowledges the importance of quality rehab services and programs. Together, BHS and SJRP can help you heal from addiction and substance abuse in Florida with every tool you may need.

Addiction Rehabilitation at SJRP

It is often scary and nerve-racking to admit that you or a loved one struggles with substance abuse or addiction. But the good news is help for recovery is closer than you may initially think. Drug and alcohol use disorders and addictions are treatable conditions. And here at SJRP, we do all that we can to ensure you receive the opportunity to engage in as many rehabilitation programs as you need.

At St. John’s Recovery Place, we believe in the power of holistic healing and treatment. We make use of both traditional and alternative rehab programs. And we do our best to work with as many quality insurance policy providers as possible, including Behavioral Health Systems, Inc. We know addiction is challenging, and rehab can prove overwhelming. But we also believe in your ability to fight for your freedom from addiction and heal.

We want to love you, support you, and help you through every step of the recovery process, the triumphs and all of the setbacks included. If you would like to know more about how you can use your BHS insurance policy to pay for addiction treatment, how to overcome substance abuse, or even learn more about what sober living may look like after you complete rehab, feel free to call us at 1-833-397-3422 to know more. We look forward to the opportunity to speak with you. And we hope we can help you decide to start your recovery journey sooner than later. Call today!

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