When people are considering entering drug rehab, the biggest concern many have is paying for a drug treatment program. On average, a 30-day inpatient rehab stay can cost up to $20,000. This figure can increase if you need a longer treatment stay or you attend a luxury rehab program. Thankfully, provisions in the Affordable Care Act (A.C.A.) have deemed substance abuse and mental health care essential services that insurance must cover.
If you are asking the question, does Operating Engineers Union cover rehab, this article will give you a better idea of what services are and aren’t covered under this unique health plan. You will also learn where to find rehabs that accept Operating Engineers Union insurance and how you can verify coverages.
What is Operating Engineers Union Insurance?
Also known as the International Union of Operating Engineers (I.U.O.E.), The Operating Engineers Union insurance plan was founded in 1960. This union has 123 chapters nationwide and has approximately 400,000 members. Substance abuse and mental health coverage are included in a comprehensive healthcare and pension program for all members. As with many insurance providers, Operating Engineers Union insurance differs from state to state but can also be different across specific union chapters.
For example, in some states and chapters, health plans are managed by larger healthcare insurers such as Anthem. In certain states such as Hawaii, the Hawaii Medical Service Association (H.M.S.A.) administers benefits, or members can select self-funded plans. Depending on the state and particular union chapter, benefits can vary widely. Therefore, it is important to contact the specific office or plan administrator to understand the full scope of your substance abuse and mental health benefits.
Does the Operating Engineers Union Cover Rehab Treatment?
If you need substance abuse or mental health benefits, you may be asking does Operating Engineers Union cover rehab treatment. Much like other insurance plans from other providers, Operating Engineers Union does cover the cost of these services as long as they are medically necessary. It is good to note that Operating Engineers Union insurance operates what is outlined in The Mental Health Parity and Addiction Equity Act of 2008 (M.H.P.A.E.A.). Under the M.H.P.A.E.A., the financial requirements such as co-pays and deductibles and treatment limitations are no more restrictive than medical and surgical benefits.
Despite the unique nature of this insurance plan, choosing an in-network provider or one within a Preferred Provider Network (P.P.O.) is most cost-effective. In some plans, the in-network substance abuse and mental health benefits are fully covered or are at least mostly covered. Northern California inpatient programs that are in-network feature no or small co-pays, while outpatient treatment is at least partially covered. Generally, in-network services may not require pre-authorization. However, there may be exceptions, especially for inpatient or hospitalization services.
If a provider is out-of-network, you can expect to pay higher co-pays, and any coverage for services will be at a lower percentage. For some plans, there is no coverage for out-of-network services, and all costs would need to be paid out of pocket. Worse yet, you may have to pay a much higher rate when compared to in-network providers. That’s why it is critical to fully understand your particular plan and the extent of your coverage. Before you decide to attend rehab, contact your plan administrator to review your coverage and covered and uncovered services. You can also contact the rehab center you want to attend and let an experienced admissions specialist review your coverage. This due diligence can make all the difference in finding the rehab program that best fits your needs and insurance.
How to Find a Rehab Covered by the Operating Engineers Union
Having insurance that covers substance abuse and mental health is a great comfort, but finding a rehab that accepts your insurance can be a challenge. Even if you find a rehab that accepts Operating Engineers Union insurance, will you get the services and support you need to get and stay sober? If need a Northern California rehab, call Singing Trees Recovery toll-free today.
Our unique and dynamic inpatient and wilderness treatment programs in Northern California provide the tools and support you need to address and overcome your substance abuse and mental health issues.
Our experienced admissions team will verify your insurance and work to get most or all programs and services covered. Our number one goal is to get you into the programs you need to find long-term recovery. Call Singing Trees Recovery right now.