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Talbott Recovery
  • About

    About

    When Talbott Recovery opened its doors in the 1980s, we knew that the best way to serve our patients was to be the best at our specialty, to listen carefully to patients, to study our results and to invite family members into the treatment process. Learn More

    • History of Talbott
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  • Locations

    Locations

    With locations in Atlanta, Columbus and Dunwoody, Talbott Recovery has been dedicated to providing compassionate comprehensive treatment for addiction and co-occurring disorders. Learn More

    • Atlanta Main Campus
    • Columbus Outpatient
    • Dunwoody Outpatient
    Call 877-345-3301
  • Programs

    Programs

    At Talbott Recovery, we offer a variety of substance abuse treatment programs each designed to meet a specific need. Whether you are a young adult, an established professional or somewhere in between, we have a program to help you address all aspects of your unique addiction. Learn More

    • Professionals Program
    • Pilots Program
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    • Mirror Image
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  • Treatment

    Treatment

    Talbott Recovery incorporates varied treatment levels into each individual’s program plan to ensure the best chance of achieving and maintaining successful recovery. Learn More

    • Detoxification and Stabilization
    • Partial Hospitalization
    • Intensive Outpatient Programs
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  • Resources

    Resources

  • Admissions

    Admissions

    At Talbott Recovery we want to help make this important step you are about to take as simple as possible. We know there can be some anxiety about what happens next, and we are here to demystify the process and provide answers to your questions. Learn More

    • The ABC’s of Insurance Coverage
    • How Much Will Treatment Cost?
    • Why Travel for Treatment?
    • 72-Hour Assessments for Substance Abuse
    • What to Bring
    Call 877-345-3301
  • Contact

    Contact

  • 678-251-3189
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  • About
    • History of Talbott
    • Latest News
    • Our Team
    • Careers
    • Virtual Tour
  • Locations
    • Atlanta Main Campus
    • Columbus Outpatient
    • Dunwoody Outpatient
  • Programs
    • Professionals Program
    • Pilots Program
    • Young Adults
    • Mirror Image
    • Family Program
    • Alumni Support Services
  • Treatment
    • Detoxification and Stabilization
    • Partial Hospitalization
    • Intensive Outpatient Programs
  • Resources
  • Admissions
    • The ABC’s of Insurance Coverage
    • How Much Will Treatment Cost?
    • Why Travel for Treatment?
    • 72-Hour Assessments for Substance Abuse
    • What to Bring
  • Contact
  • Alumni
  • FAQs
Contact

The ABC’s of Insurance Coverage

When you are looking for treatment, the last thing you want to worry about is insurance coverage. Navigating the maze of health insurance terminology and the specifics of coverage can be stressful at the best of times. Get to know these often-used insurance terms you’re likely to hear from admissions coordinators and intake specialists when describing your policy and benefits:

Premium – A premium is the amount people pay at regular intervals to their insurance companies. This is the individual’s contribution to his or her policy, and for those who have insurance through their employers, the premium is automatically deducted from paychecks. Employers may also contribute to this premium. Premiums are determined by what kind of coverage a person has, such as HMO or PPO plan.

Deductible – This annual cost is an amount you must pay before insurance will begin to cover your expenses. If you have a high-deductible plan, you accept a higher overall cost in order to lower your monthly premiums. If you have a low deductible plan, you premium will be higher each month. Once the deductible is met, your insurance will cover all or a certain majority percentage of your health costs.

Out-of-network coverage – This applies to a treatment provider that does not have a predetermined contract or cost agreement with the insurance company, but people can still receive treatment with this provider. The rates won’t be discounted to the same extent they are for in-network providers but finding a specialized facility may be worth the out-of-network rates.

Out-of-pocket expenses – Your out-of-pocket cost is any amount not covered by insurance that you are responsible for. These costs are usually due at the time treatment begins, but you may be able to set up a payment plan. Out-of-pocket expenses include deductibles, co-pays and co-insurance.

 

When someone is in need of treatment for addiction and a co-occurring mental health issue, the main focus is getting that person into treatment — but there are also concerns about how much it will cost and who will pay. The added urgency of a substance abuse problem puts pressure on an already confusing process. Talbott Recovery’s admissions center has a special team focused solely on working with insurance companies to verify benefits and sort out coverage. We can help you explore your options, discover what kind of treatment is the right fit and determine what your policy covers.

 

You Are Not Alone in the Process

HMOs, PPOs, in-network, out-of-network — with so many options and variables from plan to plan, it can be a full-time job just dealing with insurance companies. And this is not a one-time thing. To ensure the highest level of coverage throughout the treatment process, your insurers will need ongoing information. Staying on top of this can be frustrating, but lack of communication can be costly. That’s why it’s important to have a reliable, experienced team on your side. Our staff knows whom to contact and when, keeping your insurance provider in the loop, ensuring that each new phase of treatment is approved, and saving you from a lot of red tape. We understand how the process works, and we will work hard to help you get the treatment you are entitled to.

 

How Parity Law Affects Treatment Coverage

New legislation makes it easier to get addiction treatment covered by insurance providers, but it’s important to understand the law. The Parity Act seeks to equalize coverage for those seeking treatment for mental health and addictive disorders. For years, there have been restrictions on this treatment that didn’t apply to other disorders, keeping those in need from getting help. The problem was rooted in prejudice and misinformation about the cost of treatment and the nature of mental illness and substance abuse.

The truth is that money spent on treatment may actually save the US billions annually in the criminal justice, welfare and healthcare systems. What does the Parity Act accomplish? Financial or treatment limitations must be made equal between medical, surgical and behavioral and addictive services if a health plan covers mental health and addictive services. All plans are not required to provide coverage for behavioral and addictive services, but more than 90 percent of current employer-subsidized healthcare plans do provide such coverage and the requirements for parity apply to them. Health plans must disclose the criteria used to determine medical necessary and the rationale behind denials of any claims for behavioral and addictive services.

Some of the insurances we work with:

  • aetna
  • Magellan Health
  • MultiPlan
  • Humana
  • Cigna
  • CoreSource
  • Value Options
  • POMCO Group
  • UMR

 

Verifying Your Benefits

We work with a number of providers, but coverage may vary by state or policy. Some of the major providers that we work with include CIGNA, Blue Cross Blue Shield (varies by state), Aetna, Humana, UnitedHealth, MultiPlan, ValueOptions, ComPsych and Exclusive Care, but this does not cover the full range of companies that we work with.

 

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Latest News

Incarceration is Not the Answer for the Opioid Epidemic in Columbus, GA

Original Article: www.WTOC.com Author: Sharifa Jackson March 6, 2018 COLUMBUS, GA (WTVM) – [...]

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Work With us

At Talbott Recovery you can make a difference in the lives of patients and their families. Join our dedicated, skilled team, and help us as we continue to redefine standards of service excellence. Learn about Talbott Recovery’s employment practices and benefits. Find a list of available positions with Talbott Recovery here.

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Call us now 678-251-3189

Talbott Recovery
5355 Hunter Road
Atlanta, GA 30349
  • About Us
    • History of Talbott
    • Our Team
    • Latest News
  • Locations
    • Columbus Outpatient
    • Dunwoody Outpatient
    • Atlanta Main Campus
  • Programs
    • Professionals Treatment Program
    • Pilots Treatment Program
    • Treatment for Young Adults
    • Mirror Image
    • Family Program
    • Alumni Support Services
  • Treatment
    • Detoxification and Stabilization
    • Partial Hospitalization
    • Intensive Outpatient Programs
  • Resources
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    • Medication Guide
  • Admissions
    • The ABC’s of Insurance Coverage
    • How Much Will Treatment Cost?
    • Why Travel for Treatment?
    • What to Bring
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