Bright Health is an American insurance company based in Minneapolis, Minnesota. It began selling health insurance plans in 2017 in response to the Affordable Healthcare Act. Bright Health works with a limited network of care providers to lower the costs of healthcare for Americans enrolled in their program.
Bright Health recently announced that they are looking to expand access to Medicare Advantage, individual and family-plan products in select areas, including Florida, Illinois, and North Carolina. This is a huge step for the insurance company, as it was first created to be a consumer-focused health insurance and technology company.
Prompt, Affordable Coverage for Dual Diagnosis Treatment
So how does Bright Health work in terms of substance use and mental health treatment services? Surprisingly well!
If you have a Bright Health plan, rest assured that you can get the quality treatment you deserve for substance use and/or mental health disorder. The key is to choose an addiction treatment center that accepts this type of insurance, which Compassion Behavioral Health does.
From the beginning, Bright Health reimagined what healthcare could look like in our country. Over the last three years, the insurance company has focused on transitioning to a more personalized, efficient, and affordable system.
To achieve this, they partnered with Care Partners, a network of carefully selected doctors, clinics, and hospitals. With this limited network, Bright Health members can receive high-quality, personalized healthcare services while saving money.
Available Healthcare Plans through Bright Health
Under the Affordable Care Act (ACA), Essential Health Benefits (EHB) was established to ensure that everyone in the individual health insurance markets has access to the coverage they need. With each plan, you can expect mental health and substance use disorder services, hospitalization services, and prescription drug coverage, among others.
Below are the types of plans that Bright Health offers:
- Gold Plans. These plans offer generous coverage and predictable costs, but they are the most expensive. They’re an excellent option for those who plan to use their coverage regularly such as by seeing doctors and filling prescriptions. Copays are standard with these policies.
- Silver Plans. Silver plans are the next step down from the Gold plans. They provide moderate premiums and are best suited for people who plan to use their insurance coverage occasionally but with lower deductibles.
- Bronze Plans. Bronze plans have lower premiums but higher deductibles. They’re typically recommended for healthy individuals who want to keep their monthly premiums low. However, there is more risk if they become seriously sick or injured.
- Catastrophic Plans. Catastrophic plans have the lowest premiums and are best for healthy individuals under the age of 30. Through Bright Health, these plans cover three primary care visits and no other coverage until your out-of-pocket maximum is reached.
Telehealth Services Covered by Bright Health
If there’s one thing we’ve learned from the COVID-19 pandemic, it’s this: people deserve the right to safe, convenient, and affordable virtual therapy. With today’s technology, there’s no reason why people can’t receive some treatment from the comfort of home. This includes mental health services that can improve quality of life and save people from self-harm, suicide, or relapse.
Compassion Behavioral Health provides comprehensive treatment services to those struggling with substance abuse and/or mental health disorders. We provide a full continuum of care, ranging from residential treatment to standard outpatient treatment. Telehealth services are available as well and have grown more popular in response to the pandemic.Â
These one-on-one internet and telephone appointments can address a wide range of needs, including anxiety, depression, and other mental health concerns. Clients can access this treatment whenever they need it. In fact, research shows that telehealth therapy can be just as effective as traditional, face-to-face therapy.
As one of the most trusted addiction treatment centers in South Florida, we are proud to be in Bright Health’s network.
How Much Does a Bright Health Plan Cover?
How much your Bright Health plan covers depends on which plan you have and the treatment resources you use. For example, our residential treatment program generally costs more than our outpatient program because you will reside at our facility and receive intensive, around-the-clock support.
While we realize that addiction treatment services are an investment, our treatment center will start you with the right level of care based on your needs, health, and safety – not the price. Fortunately, as you work through the program and move on to lower levels of care, your costs will be less. Still, most clients have to pay something out of pocket.
If you have a Gold or Silver plan, you may only have to cover your copays and deductibles. Your Bright Health plan may pick up the rest. If you do have to pay out of pocket, please be aware that Compassion Behavioral Health is flexible and accepts self-pay options like credit cards.
Start Your Recovery Journey Today
If you have a Bright Health plan, rest assured that you are eligible to receive comprehensive coverage for mental health and substance use disorders, including behavioral health services. Compassion Behavioral Health accepts this type of insurance, resulting in lower out-of-pocket costs for you. To learn more about our rehabilitative services and how much they will cost you with a Bright Health plan, contact our admissions department today at 844-503-0126.
