Preferred Provider Organizations, or PPO plans, have their own benefits and potential drawbacks regarding addiction treatment programs. These types of policies are very common for both individual and group plans.
When someone has a PPO plan, they are usually able to either select a provider within their network or outside of their network, but there are different levels of coverage and deductible amounts for each. The downside of this is that someone may be spending a bit more out of pocket if they want to go out of network if they’re covered at 60% instead of 80% and have to pay a deductible of $5,000 instead of $3,500. While these are just hypothetical numbers, the difference comes when you have the freedom to attend the treatment center of your choice and potentially get a longer-term program for just a little bit more money than you might pay at an in-network 30-day facility.
This actually happens all the time. People make the honest mistake of only going where their insurance company says they have in-network facilities because they might be able to save a couple thousand dollars or so. However, there are also places that might be able to accept a PPO plan as payment in full and you could wind up not having to pay anything out of pocket.
If you’re unsure about your what your insurance policy will cover and what type of substance abuse benefits you have, you can always call us and we’ll do our best to help you find treatment program options that will work with your PPO plan.