It can be challenging to recognize the need for help and get treatment for addiction or mental health issues. What’s even more difficult is finding the money to pay for it. But the state of New York doesn’t believe that their government employees should have to struggle with this, which is why NYSHIP policies offer comprehensive coverage for substance abuse and mental health services.
Let Find Luxury Rehabs help you find qualifying rehab facilities in New York.
NYSHIP is a state-funded New York health insurance program. It also goes by the name Empire Plan. The plan was started in 1957, offering state employees affordable health care. Today it provides insurance coverage to over 1.2 million state employees, their families, and those who are retired. People who work at the state and local government level in New York can use their NYSHIP policy to get drug rehab services.
Find Luxury Rehabs can help you compare rehab centers side by side.
The extent of coverage is based on the plan you have. They have a specific mental health and substance abuse program that covers things like:
*With almost all policies, you have to pay 10% of your coinsurance, and your benefits don’t come into effect until you have also met your annual deductible. This is something you can review with a local NYSHIP treatment center or your insurance provider directly.
Even in cases where your policy doesn’t offer complete coverage, if a service is considered a medical necessity by your primary care physician, it might be added to what the insurance company pays for. Usually, you need to meet with your primary care physician in order to have something deemed medically necessary.
With Find Luxury Rehabs, you can connect with facilities that work with your provider regularly.
It is always best to speak directly with NYSHIP or work with a rehab company that accepts your insurance provider because this will help you verify your specific benefits. Benefits change from one policy to the next and from year to year.
So if you are looking for NYSHIP addiction treatment programs in December and get a new policy in January, what your insurance provider covers might change in the middle of your rehab program. It can be a surprise that you are suddenly responsible for an extra month or two of out-of-pocket expenses.
Consider this: Different rehab facilities and treatment types will vary regarding what therapy or medication you need.
With detoxification, you likely have to check into an NYSHIP drug rehab center or local hospital overnight and stay multiple nights. Your policy may or may not cover that hospital stay, and if it does, it might have a limit on the number of days you are allowed.
During your detox program, you will likely be given medication to help reduce the severity of your symptoms. Medications like Tylenol or anti-nausea medication might be over-the-counter, generic, but if administered at a hospital, they could come at a much higher fee.
After completing your detox, if you choose an inpatient NYSHIP drug and alcohol rehab, it is much less likely that your insurance will cover all of your treatment, but they might cover some of it. With inpatient programs, your insurance might cover things like the actual therapy sessions you undergo and the medications you are given, but beyond that, they may not cover the cost of your room and board or your meals. You can work with Find Luxury Rehabs to find rehab centers and then speak with them about how their billing actually works. If they can provide you with a breakdown of a billing sample and what charges might be levied against you during your treatment, you can better understand what your insurance policy will cover.
If you transition from inpatient to something like partial hospitalization or outpatient, or you start with an outpatient program, your NYSHIP rehab coverage is much more likely to cover the full extent of the cost because federally mandated coverage for things like mental health and substance abuse will extend to the therapy and the medication you receive without any bills for room and board.
Contact Find Luxury Rehabs today to review which NYSHIP addiction treatment programs are available in your area.
How long your coverage lasts is based on the policy you have. Federal requirements might extend to 12 weeks of psychotherapy or rehab treatment, but coverage for ongoing prescriptions might last throughout your treatment.
Reach out to Find Luxury Rehabs to see what facilities accept your NYSHIP rehab coverage.
An NYSHIP drug rehab center is any in-network provider. An in-network provider is someone with whom NYSHIP has already made arrangements for fees. So, you are free to use any in-network provider for any of your services. If you pick an out-of-network provider, you may be responsible for some or all of the costs.
Let Find Luxury Rehabs connect you to the best NYSHIP drug rehab center near you.
The team at Find Luxury Rehabs is standing by 24 hours a day, 7 days a week ready to help you find your own individual options for luxury treatment.
Choosing in-network NYSHIP addiction treatment programs comes with many benefits:
Using an in-network rehab center means you are more likely to get coverage for all, if not most, of your treatment. Working with approved, in-network facilities means you have a more comprehensive selection of locations you can turn to for individual services like psychotherapy, detoxification, and ongoing treatment. If you choose the same types of services at an out-of-network facility, your insurance policy might refuse to pay for any of it meeting you would have to cover 100% of your treatment costs.
The first benefit is access to more options. In a network, providers are comprised of a wide array of specialists, which makes it more likely that you will find someone to offer the services you need. Addiction is highly individualized, so that you might struggle with bipolar disorder, PTSD, and alcoholism, whereas someone else might want family therapy, marriage counseling, and help with a benzo addiction. Depending on your plan, you might find coverage for a surprising number of holistic treatments in addition to standard evidence-based psychotherapy, including meditation, fitness classes, nutrition classes, yoga, or mindfulness. These classes can be costly in your local community, but if you use in-network facilities, you can get them at a fraction of the cost.
Working with resources like Find Luxury Rehabs means access to a broader array of treatment options.
We know how difficult it can be to have the courage to ask for help. But it can be even more challenging to figure out which rehab center is best for you, let alone which facility takes your insurance.
With Find Luxury Rehabs, we can help connect you only with local providers who accept NYSHIP policies. From there, you can reach out to the ones you like most and discuss their billing, their treatment options, and which part of your rehab would be covered under your policy.
Let Find Luxury Rehabs connect you to local NYSHIP drug and alcohol rehab programs so you can get the help you deserve.
