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Insurance Agent

Insurance Information

Medical insurance is a type of coverage that helps individuals pay for medical expenses. It works by having the policyholder pay a monthly premium, and in exchange, the insurance company covers a portion of the policyholder's medical expenses. Commercial medical insurance plans often include a range of different types of cost-sharing, such as copayments, deductibles, and coinsurance. While other medical providers may "balance bill" you these cost-sharing amounts, Highlife Recovery does not currently charge these amounts. 

Copayments, or "copays," are a fixed amount that a policyholder pays for a specific medical service or prescription medication. For example, a policy might require a $20 copay for a primary care doctor visit. Copays can vary depending on the type of service or medication and can be applied to multiple medical services. Generally, copays do not count toward the policyholder's deductible.

Deductibles are a set amount that the policyholder must pay out of pocket before the insurance company begins covering medical expenses. For example, if a policy has a $1,000 deductible, the policyholder must pay $1,000 in medical expenses before the insurance company starts paying. Deductibles can vary based on the plan and can be reset annually. Once the deductible is met, the policyholder is typically responsible for coinsurance, which is a percentage of the medical cost that they pay while the insurance company covers the rest.

In summary, medical insurance is a way for individuals to mitigate the cost of medical expenses by paying a monthly premium in exchange for coverage. This coverage often includes various types of cost-sharing, such as copayments, deductibles, and coinsurance. Copays are a fixed amount that policyholders pay for specific services or medications, while deductibles are a set amount that policyholders must pay before the insurance company begins covering medical expenses. Once the deductible is met, policyholders are typically responsible for coinsurance, which is a percentage of the medical cost that they pay while the insurance company covers the rest.

Insurance Consultation
Wandering Traveler

Don't hesitate! Get help today and improve your quality of life!

Highlife Recovery is committed to following the guiding principles and core values of the Recovery Model supported by:

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  • Substance Abuse Mental Health Services Administration  (SAMHSA)

  • National Alliance on Mental Illness (NAMI)

  • Ohio Mental Health and Addiction Services (OMHAS Certified)

  • CARF International (Accredited)

 

Highlife Recovery staff strive to provide clients with the highest quality of care and individualized treatment plans. Our interdisciplinary team uses evidence based interventions and modalities to equip clients with the tools to overcome addiction, live a self-directed life and reach their full potential.

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