GHI and Substance Abuse Recovery: Overview
GHI, or Group Health Incorporated, was one of the largest health insurers in the Eastern United States. In 2006, GHI merged with HIP (Health Insurance Plan of Greater New York) to become EmblemHealth. Today EmblemHealth operates as one of the largest non-profit health plans in the country.
There are many different plans under the GHI/EmblemHealth name. It all depends on your needs and your budget, as well as your working status and your location. There are several HMO Medicare policies, offering standard medical care with low copayments, as well as family packages and employer packages.
The best way to find the right plan is to use the EmblemHealth search function. You just need to input your zip code and follow a few simple instructions and they will find the best plan for you.
GHI Coverage for Specific Addictions
You shouldn’t have an issue getting GHI/EmblemHealth to pay for your outpatient care, but for the majority of addicts, this is neither here nor there. As any long-term addict and any relapsed addict will tell you, inpatient treatment is essential to getting you out of that rut. It will move you away from the temptations and the bad influences, it will give you round-the-clock care and it will ensure that every aspect of your recovery is catered for.
The problem is, it’s not always easy to get inpatient care covered under your GHI/EmblemHealth policy. If you are suffering from a psychological addiction, if you have been addicted for a short time, if you are young and healthy and if your home environment is relatively stable, then it’s unlikely that they will cover any part of your inpatient care.
However, addictions to the following substances will certainly make you a priority:
- Strong Prescription Drugs
They may also be more willing to cover inpatient treatment if you tick one or more of the following boxes:
- You have a preexisting mental health issue
- Your addiction is causing major mental or physical health issues
- You have an unstable home environment
- You are abusing multiple substances
- You are homeless
- You are pregnant
Using GHI to Pay for Treatment
The very worst thing you can do when seeking GHI drug rehab coverage is to just book yourself in and then expect them to cover all or part of the treatment. If you are ready to receive treatment, then you need to get in touch with the insurance provider and seek approval.
Be honest with them, and they will then tell you whether your plan covers the treatment that you seek. In many cases, as detailed below, you will be covered for extensive inpatient treatment. They tend to be very good in that regard, but that’s not always the case and some patients will be considered more essential than other.
Length and Depth of Coverage
You do not need to seek prior approval if you are getting simple outpatient care within the network. This will typically be covered in the majority by your policy, and the only limit here is on how many of these visits you can arrange per year.
However, you will need such approval for inpatient care. Typically, your treatment will begin with some outpatient care, during which they may determine that you need more extensive treatment. If that is the case then you need to make a request, ensuring that your policy covers it.
As already discussed, very few policies actually cover inpatient care, which makes life difficult for addicts seeking treatment. In such cases, you may find that you have to take out a loan. This is why it is important you study your policy beforehand and that you make sure you choose a policy that covers inpatient care, even if it means using a different insurance provider.
This doesn’t put GHI/EmblemHealth in a particularly good light, but the truth is that there are many merits to this insurance provider. They are very cheap, and if you don’t have a lot of money to spare every month then this is important. They also make life easy for you if you require simple medical care and/or outpatient care. So if you haven’t signed up for a policy, then don’t dismiss them just yet. Just make sure you spend a little more time shopping around before making your choice.
Rehabs for GHI
Whether you’re looking for GHI PPO coverage for drug addition or GHI PPO coverage for alcohol addiction, the FootPrints Behavioral Health Center can help. We are a GHI accepted treatment center that has helped countless policyholders in the past. We have a reach that extends across California and many patients also come from out-of-state to receive treatment here.
At the FootPrints Behavioral Health Center, it doesn’t matter what substance you are addicted to, where you are from or what your status is. We treat everyone the same, because we believe that everyone deserves a shot at sobriety and happiness.
- What are the benefits of GHI coverage for Californians?
We have several state-of-the-art facilities where you can get inpatient treatment around the clock. You meals will be carefully selected, you will receive physiotherapy and behavioral therapy, and there are also medications that we can prescribe to make the recovery process more comfortable.
There is a reason that people flock from all over the western United States to come to California, and the FootPrints Behavioral Health Center is that reason.
- Where can I learn more?
You can also get in touch with EmblemHealth directly. They are usually very helpful and will be able to answer any questions that you have and discuss any parts of your policy that you are not sure about.