Insurance & FinanceWhile you can't "put a price tag on health," rates for treatment at Livengrin are very competitive with that of other treatment providers and offer a value that's second to none. We work with most insurance and managed-care companies to offer the most cost-effective care possible.
When it comes to treating addiction, "cost-effective" means proper and timely treatment. The admissions staff and financial counselor will work with you, the employer or agency and insurance provider.
Please know that financial considerations for a patient's treatment must be arranged in advance of your admission. In addition to cash payment, Livengrin accepts most forms of commercial health insurance. Our Admissions Staff is trained to help you understand what co-pays, deductibles or limitations may apply for your plan.
There are many different types of insurance plans and levels of coverage. Here are a few basics:
The law in Pennsylvania requires (with some exceptions) that insurance companies and HMOs (health management organizations) that write group policies must provide for inpatient and outpatient care for alcohol and drug-related illness. You have the right to appropriate treatment if you have a policy in this state. We can assist you in determining coverage regulations in other states of residence.
Livengrin takes responsibility for evaluating a patient's medical and clinical needs. However, we cannot always decide what kind of care, or how much care, an insurer will pay for. This decision is often made by a managed care company, acting as an intermediary for many insurance carriers that own or work with such an organization. These companies assess the information given them by healthcare providers and then tell us what they think is the correct level of care a patient should get.
While they most often are in agreement with Livengrin's assessment of a patient, sometimes that's not the case. We can appeal their decision and make an argument for what we think is appropriate, but the insurance company or managed care company has the final say regarding payment.
If you are not satisfied your insurance company's determination of what they will pay for, you or your family can speak directly to them.
The benefits manager at one's place of employment can often give you useful information about the policy that you are a part of. Although it may be uncomfortable to reveal to this person that you are applying for benefits covering a substance abuse problem, the importance of your treatment is what really matters. Because the employer pays all or most of the insurance premium for your plan, the benefits or personnel manager will want to help you make the most of it.