PHX (Premier Healthcare Exchange) Rehab and Heroin Detox Coverage

By Admin User, January 20, 2016.

PHX (Premiere Health Exchange) Rehab and Heroin Detox Treatment

Heroin addiction is a growing problem, with the number of people abusing heroin jumping an alarming 63% between 2002 and 2013, according to the Centers for Disease Control and Prevention. The face of heroin addiction has also changed dramatically. Individuals who struggle with heroin abuse today include a higher percentage of women and people with private insurance and higher incomes, says the CDC. This is partially due to an increase in prescription drug abuse. When individuals become addicted to prescription drugs but are unable to obtain the medications, they are increasingly likely to abuse heroin. Heroin is highly addictive and quitting through “sheer willpower” is not an option. The right medical detox treatment program will give individuals the support and resources they need to successfully address their heroin dependence.

Heroin rehabilitation programs can be expensive, and individuals who struggle with addiction may worry about affording the full cost for these programs. The good news is that your health insurance may help make these programs more affordable. PHX (Premiere Health Exchange) is a marketplace for businesses that is designed to make health care plans more affordable. All health care plans available through PHX include addiction service coverage. Under the new guidelines set forth by the Affordable Care Act (ACA), all plans must include treatment for substance abuse disorders, including heroin addiction, as a part of the essential health benefits.

Does PHX cover rehab for heroin detox treatment?

Plans available through PHX will include coverage for heroin detox treatment and other substance abuse treatment programs. However, the amount of coverage may vary between plans depending on the plan’s level (e.g. Bronze, Silver, Gold or Platinum). Most plans will require some level of payment for out-of-pocket costs on these plans. Consequently, before selecting a heroin detox treatment program, you will want to speak with your plan’s coordinator about which treatment programs are considered to be “in-network”. You will also want to ask about the type of cost sharing the plan allows, including what to expect for deductibles, copayments and coinsurance

Heroin detox is first step to recovery

If you or a loved one are struggling with heroin addiction, do not let the potential cost of treatment stand in the way for getting help. Affordable inpatient programs do exist, and your insurance may cover these prgorams. Talk to a benefits specialist today about taking the first step to recovery.