Sanford Insurance includes a network of providers in Minnesota, Iowa, North Dakota, and South Dakota. They are the second largest carrier in North Dakota. Individual qualified health plans by Stanford include coverage for mental health and substance abuse services, which refer to behavioral health treatment, prescription drugs, and rehabilitative and habilitative services and devices. Sanford offers two plans in North Dakota: TRUE Individual and Simplicity.
- TRUE Individual: covers substance abuse office visits with a copay (in most versions of this plan). Other types of inpatient and outpatient services have coinsurance after the deductible is met.
- Simplicity: covers substance abuse office visits with a copay. Other types of inpatient and outpatient services have coinsurance after the deductible is met as well.
For both of these plans, pre-authorization is required for inpatient treatment, but not necessarily for outpatient treatment. The great thing about Sanford Insurance is that you won’t be disqualified from a health plan for pre-existing conditions, and your premiums are only determined by the plan you choose, your age, geographic area, and tobacco use. If you are still unsure if you are or can be covered by Sanford, reach out to us and we would be happy to help you.
Other Available Options
Many cities have multiple treatment facilities that accept insurance from Medicaid and Medicare. Medicare does not offer a specific set of benefits for addiction treatment. However, both Medicaid and Medicare cover substance abuse services when they are determined to be vital and resonable. Many states, including North Dakota, may provide customized plans for payment and even discounts if needed. The state may also provide financial assistance if individuals with low income.
Those with an insurance provider different from Sanford, Medicaid, and Medicare, are encouraged to look into your insurance to see if substance abuse treatment is covered by your plan. For individuals who have insurance provided by an employer, HR is a great resource to get more information on plan coverage. We would be happy to assist you in finding more information on your insurance plan if you decide not to discuss it with Human Resources. We can help you figure out what your plan will cover.
The website of your insurance company will have information about addiction treatment. This information can generally be located on the mental or behavioral health page of the site. Unfortunately, insurance websites can be challenging to use. We can assist you with this. After calling us, a treatment expert will assist you in locating the best rehab center for you as well as finding insurance coverage if needed.
There are several treatment centers throughout the state that offer services to be paid for on a sliding fee scale. They may also provide programs for payment assistance. Having sliding scale fees will give those with a smaller income the opportunity to pay lesser amounts for treatment. Additionally, the state offers grants that you may qualify for that can help with the cost of rehab. You have an array of resources that can be used to help with treatment costs. Having trouble paying for treatment does not need to prevent you from getting the help you need.
Your insurance situation does not change the fact that we want to help you get treatment. We have experienced and compassionate specialists who are available to give you more information about addiction, insurance, and facility locations. Reach out to us at 701-380-5836 and we can answer your questions.
How We Can Help
Sanford TRUE Individual or Simplicity are two North Dakota insurance plans that can cover substance abuse treatment. Your Sanford insurance may be provided by an employer and you may have coverage as well. Individuals who do not have Sanford insurance but have Medicaid or Medicare may still have coverage. These insurance providers allow coverage of addiction treatment when it has been approved as being vital and reasonable. For all other types of insurance, the website page on behavioral and mental health should be reviewed to find more coverage information.
Treatment is still available to you, whether you have insurance or not. Do not allow insurance plan details to prevent you from saving your mental and physical health. We are here to assist you in finding the best financial choice for you. Give us a call at 701-380-5836 so we can help you today!