According to the National Health Interview Survey, more than 20% of adults received some type of mental health treatment in 2020. If you or someone you know needs treatment for mental health and substance abuse treatment, Ambetter offers a variety of plans and coverage options.
This helpful guide explains Ambetter coverage options and what insurance for rehab looks like. Keep reading to learn more.
Ambetter has several affordable healthcare plans through the Health Insurance Marketplace. The Affordable Care Act (ACA) ensures that behavioral and mental health are covered as part of an essential health benefit. This includes the following:
ACA-compliant health insurance covers the vast majority of —if not all— mental disorders. This type of health insurance also covers treatment for chemical and alcohol dependency.
Anyone with Amber health insurance can benefit from the following:
Optional dental and vision insurance plans are only available for some plans.
As mentioned, Ambetter insurance for mental health covers substance abuse therapy and offers some coverage for anyone in need of therapy for substance abuse. Plans vary, so it’s best to familiarize yourself with coverage.
The majority of plans cover medical care in an emergency. This includes an overdose. Other treatments involve addiction treatment, even if it’s not an emergency.
Although Ambetter providers offer mental health coverage, you need to find rehabs that accept Ambetter. A limited number of facilities may meet Ambetter’s requirements. It all depends on the type of plan you purchase, but Ambetter mental health treatment is available.
Ambetter coverage options vary, but they fit most individuals’ needs. It’s common for plans to assess how much care they deem necessary before providing coverage. When considering your overall health and well-being, Ambetter coverage levels may apply to the following areas:
Keep in mind that almost every Ambetter health insurance plan offers mental health care coverage. This type of coverage is part of substance abuse treatment.
If you need Ambetter rehab options, you’ll find a mixture of available care. Some plans offer inpatient care for 30, 60, or 90 days.
Other plans offer longer care, but a maximum coverage amount is paid out. Always understand insurance limits when considering what plan to purchase.
Certain plans may restrict the type of substance abuse or mental health care treatments you receive. For example, you may only receive care for science-backed treatment.
No matter what plan you purchase, you’ll have all your Essential Health Benefits covered. This includes the following:
You can select from a variety of Ambetter Marketplace plans. They each have a different price point to fit a variety of budgets.
Here are some available plans from Ambetter.
If you purchase the Bronze Plan, you’ll have all your basic healthcare needs covered. You’ll usually experience lower monthly premiums.
You will, however, pay more out of pocket for health costs. If you need a lot of care, it may get expensive. For this reason, you may want a more comprehensive plan.
The Silver Plan offers more value and slightly higher monthly premiums. You’ll also have reduced costs for care, which can offset monthly premiums if you need a lot of care. You may even qualify for financial assistance.
The Gold Plan offers even more health coverage with lower out-of-pocket costs. You’ll pay more monthly, but if you require more frequent healthcare, this is a good option.
Select Plans provide individuals with affordable, low premiums every month. You’ll have access to a selective group of doctors and other healthcare providers, however.
You can purchase a Select Plan and use Ambetter providers in Florida, Arizona, Tennessee, and Georgia. Certain counties may not qualify. Each plan has specific pricing, so always read the fine print.
Value Plans are among Ambetter’s most affordable plans. Only specific doctors and other healthcare providers are covered, along with hospitals, so keep this in mind.
You also have to select a Primary Care Provider. If you need to see a specialist, you’ll need a referral.
If you opt to purchase this plan, it’s only available in Florida, Texas, and Nevada, and only in certain counties.
Anyone in need of virtual care should consider Ambetter’s Virtual Access Plan. This Ambetter insurance policy offers individuals complete primary care from the comfort of their own homes.
Once you purchase this plan, you’ll have access to a Babylon Primary Care Physician (PCP) or a Teledoc. It all depends on the state and county you live in.
Benefits include unlimited visits with your PCP, each at $0. These healthcare providers can order imaging and labs through these visits. They can also write prescriptions or even send you to specialists as needed, writing you referrals.
This plan is available to anyone in the following states: Florida, Indiana, Georgia, Michigan, Kansas, Missouri, Mississippi, New Hampshire, Nebraska, Ohio, North Caroline, Texas, and South Carolina. As with other select Ambetter plans, this plan is only available in specific counties.
Ambetter insurance for mental health offers an array of plans. These plans provide essential services for substance abuse treatment. Ambetter providers offer access to emergency services, inpatient/outpatient treatment, medication, and more.
If you or someone you know requires assistance with mental health or substance abuse, you don’t have to handle it alone. Comprehensive Wellness Centers offer specialized programs and treat a variety of mental health conditions. We invite you to review our admissions process, so you can receive the support you need.