Types of Insurance Plans
There are several types of insurance plans available, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Exclusive Provider Organizations (EPOs), and Point of Service (POS) plans.
HMOa type of healthcare coverage regulated by the state of California requires members to have a primary care physician while only covering services within the approved network, except in emergencies.
On the other hand, PPOs offer a broader selection of substance abuse treatment services within their network. POS plans allow members to select either in-network or out-of-network providers.
Understanding the differences between these types of insurance plans is crucial, as it will impact the extent of coverage you receive for addiction treatment services. When considering your options, weighing the pros and cons of each plan and selecting one that best aligns with your needs and preferences is essential.
Levels of Care Covered by Insurance in California
Insurance coverage in California encompasses a range of addiction treatment services, including detox, inpatient, and outpatient treatment.
Intensive outpatient treatment (IOP) offers comprehensive care from mental health and addiction experts while allowing individuals to continue their daily activities such as work, family care, or schooling.
Outpatient treatment is a flexible level of care that offers specialized services from mental health and addiction professionals while allowing individuals to maintain their daily responsibilities. IOP may be suitable for individuals who desire intensive treatment but are unwilling or unable to partake in residential treatment.