One in twelve American adults (or 17.6 million people) suffers from alcohol addiction or dependence, and millions more engage in risky drinking habits. The Tri-State Area (consisting of the three states of New York, New Jersey, and Connecticut) is among the most hit regions by the nationwide drug and alcohol abuse epidemic. In New Jersey, nearly 90% of drug overdose deaths directly result from opioid abuse. 

Starting down the road to a healthier, drug-free life is well worth the effort. In the United States, drug treatment centers are doing all they can to help combat the drug epidemic. Most individuals, however, don't go to treatment for financial reasons. One good news is that insurance companies may assist with rehabilitation costs.

If you have GHI insurance, your policy will likely pay for some or all your time in a drug rehabilitation program. More than three million people in the Tri-State area and beyond are covered by medical insurance plans issued by Group Health Incorporated (GHI), currently known as Emblem Health.

What is GHI Insurance?

Group Health Incorporated (GHI) is one of the largest and most well-known companies in health insurance in the United States, even though it is not wholly a for-profit organization. The company was founded in the 1930s to give health insurance to people who could otherwise go bankrupt owing to the excessive expenses of an unforeseen illness or accident.

The GHI Tier System

To make it simpler to compare various plans, the Affordable Care Act (ACA) mandates that all health insurance policies (except catastrophic insurance policies) be placed into one of four tiers, sometimes referred to as "metal levels."

• Bronze

• Silver

• Gold

• Platinum

The primary distinguishing feature between these coverage tiers is the fraction of your healthcare expenses that will be paid by the plan. The out-of-pocket costs and the premiums would differ based on the tier of coverage selected.

Bronze plans are the least expensive and are typically suggested for those who do not regularly need to visit a doctor due to their cheap monthly premiums and large deductibles. The costliest plans are the platinum ones.

Most areas of the country have access to Gold, Silver, and Bronze plans, while those with access to Platinum plans are limited.

In brief, the following describes the various insurance coverage levels:

Bronze

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The average percentage of medical costs covered by a bronze plan is about 60%. The monthly costs for this type of coverage are modest, and the deductible is rather high.

Silver

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Around 70% of medical costs are covered by this plan. The monthly premium for these plans is somehow high, but the deductibles are lower.

Gold

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Members of the Gold Plan pay a greater monthly premium than those of the Bronze and Silver Plans, but their maximum out-of-pocket expenses are lower. Your medical costs will be covered to a degree of around 80%.

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Platinum

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As far as the alternatives go, this one is the priciest. The best aspect, however, is that it doesn't break the bank while paying for practically all of your medical care. It offers the highest premiums per month, but the lowest deductible of any plan.