If you are looking to get health insurance, now is the time.  When making this decision it is important to understand what benefits will be covered in your plan, such as mental and behavioral health.

what are the fines for not having health insuranceThe last date to sign up for Obamacare, healthcare.gov, is coming up soon. March 31st is your final opportunity to enroll for health insurance until and possibly get a subsidy until 2015, unless stricken by a life event. Signing up is easier than you might think, so consider signing up before the deadline if you haven’t yet. Here are some common questions and answers about how to sign up.

How do I know if my insurance will cover my on-going substance abuse program?

First and foremost talk to your insurance company before enrolling or get advice from a licensed health insurance agent and make sure you have the proper coverage that you need. You will want to make sure your behavioral and mental health benefits are fairly comprehensive.  This is especially important if you need out of network benefits, such as if your doctor does not have an agreement with your insurance provider.

New Roads is now In-Network with MHNET and CIGNA.  We also have been taking insurance plans with Out-of-Network benefits for almost 5 years… We are very good at this!

How do I sign up for Insurance?

For you Do-It-Yourself’ers – Click the link to healthcare.gov and get started.  The other option is to call a health insurance provider or brokerage and have them walk you though the process over the phone.

Do I qualify for a subsidy?

Enter you information into a subsidy calculator, such as the calculator found here made possible by the Kaiser Family Foundation. You can also go to healthcare.gov or ask your insurance broker for more information.  The rule of

How much will It cost for me to use my insurance benefits?

The cost will be contingent on your specific plan and coverage.  This includes premiums, deductibles, co-pays, and coinsurance. Total cost may vary.  However, for addiction help, a quality drug treatment facility will help you find out how much you may have to pay up front by checking your benefits.

What costs will my health insurance cover?

Your health insurance should help cover costs towards Hospitals, Clinics, Doctors, and for addiction treatment facilities like New Roads.

To summarize how to get health insurance, call or go online and get information from health insurance carriers or health insurance agents on what plan is going to best fit your needs.  Remember you have a very limited amount of time to access health care for 2014 without receiving a penalty.