Many Detroit residents have group insurance provided through an employer or membership in a group such as the National Association for Female Executives. Group health insurance is often subsidized, to some extent, by your employer or membership fees. An alternative to group insurance is individual insurance in which you, as an individual, pay the total premium for your health insurance coverage. The premium is the amount of money that the insurance company receives from you in exchange for them covering some or all of your healthcare costs. There are some additional concepts of insurance that you may want to understand before you have a conversation with an insurance benefits professional to determine your rehab coverage.

What Is Level of Insurance, and How Does It Relate to Rehabilitation Coverage?

The premium for a health insurance policy is based on several factors, and one of these factors is level of insurance. Comprehensive and limited are the two words most often associated with the level of insurance. Limited health insurance means that the insurance company is going to restrict certain services that they will pay for such as cosmetic surgery. If a person is having a medical procedure simply for the sake of appearance, an insurance company may feel that the procedure is not “medically necessary” and therefore will limit the amount they pay for that procedure. Having limited insurance does not mean that you have no insurance. It means that you need to explore exactly what is covered and what is not. While limited doesn’t mean “never,” comprehensive doesn’t mean “always.” Comprehensive insurance means that you or your employer in Detroit is willing to pay a higher premium to get a larger range of medical services covered.

What Do Co-Pay and Co-Insurance Have to Do with Rehabilitation Costs?

Co-pay and co-insurance influence the amount of the premium. Co-pay is a predetermined amount of money that you must pay when you receive a specific service. For example every time you visit your family physician in Detroit, you may pay a set amount of money regardless of the medical reason for the visit. This fixed amount is the co-pay. Similar to co-pay, co-insurance is a fixed percentage of the total medical bill that you would be responsible for. Some health insurance plans offer a 75/25% arrangement in which the insurance company will pay 75% of the authorized expenses, and you must pay the remaining 25%.

What Is an Insurance Deductible, and Will It Apply to Addiction Rehabilitation Costs?

Most health insurance policies require that you pay a certain amount for medical services, before the insurance company will start contributing. For example, if your health insurance company had a $5,000.00 deductible on your health plan, you would pay 100% of all of your medical bills until you reached that $5,000.00 deductible, at which time the insurance company would then start to contribute to your medical expenses.

Get Help Finding Rehabilitation Insurance Options for Detroit Residents

Finding the right rehab facility to meet your needs or the needs of someone you love can be an overwhelming experience. You need help choosing the most appropriate rehab service and determining if your insurance will cover some or all of the costs. Making sure that you have the ability to pay for these necessary services is important. We can help, so please call our toll-free helpline today. We are available 24 hours a day to answer any questions you might have about rehab and related expenses. We are here to help.