Allied Benefit Systems Insurance Coverage for Drug and Alcohol Rehab
Health insurance policies are a common way to pay for addiction treatment. Coverage levels will vary by plan and by facility.
When searching for health insurance plans that cover addiction treatment, an individual should look for a plan that covers both inpatient and outpatient treatment options as well as mental health services. Substance use disorders often co-occur with mental health conditions, and both conditions will need to be treated to make a full recovery.
Allied Benefit Systems offers coverage for drug and alcohol rehabilitation and mental health services through their insurance plans. These customized insurance plans help control costs while providing a wide range of healthcare options.
Allied Benefit Systems provides access to nationwide provider networks through insurance partners like Cigna and Aetna. These partnerships help businesses create comprehensive, affordable health care plans that can help individuals recover from a substance use disorder and move forward to lead a healthy, productive life.
Does Allied Benefit Systems Cover Drug And Alcohol Detox?
Allied Benefit Systems covers drug and alcohol detox, which for many people is the first step in the recovery process. During this process, the individual stops drinking or using drugs. This allows the body to rid itself of the substance and begin to adjust to sobriety.
The type of detox depends on the facility and can include either observation and basic medical intervention if the patient begins to experience life-threatening withdrawal symptoms, or it can include medically assisted detox, which involves using prescription medications to prevent or minimize withdrawal symptoms and cravings while the individual breaks any physical dependence on drugs or alcohol.
Out-of-pocket expenses for detox services, including copays, coinsurance amounts, and deductibles, depending on the details of the specific health insurance plan. To locate drug and alcohol detox coverage amounts and payment requirements, the insured can review their insurance policy or contact their preferred detox program for a verification of benefits.
Does Allied Benefit Systems Cover Inpatient Rehab?
Inpatient drug and alcohol rehab is covered under Allied Benefit Systems’ behavioral health services. Inpatient rehab involves living in a treatment center for the duration of the program. Copays and coinsurance amounts vary depending on which insurance plan a person has.
Inpatient treatment programs allow patients to live in an environment free of distractions and triggers while receiving counseling and substance use disorder treatment in a structured environment. These residential treatment programs can last anywhere from 30 to 90 days or longer, depending on whether the program is short-term or long-term.
Mental health and substance use disorder treatment through Allied typically include the following services:
- A full assessment to determine the best type of treatment
- In-person counseling
- Guidance and advocacy
- Legal and financial consultations if needed
Does Allied Benefit Systems Cover Outpatient Rehab?
Outpatient drug and alcohol rehab is covered through Allied Benefit Systems. Covered outpatient treatment programs offer similar services as inpatient programs, with the exception of residing on-site during treatment.
There are two primary types of outpatient treatment programs. The first type of outpatient program involves visiting individual counselors, therapists, and other healthcare professionals to receive treatment on a per-session basis.
The second type of outpatient treatment is partial hospitalization. Partial hospitalization programs involve spending the day at the treatment center and participating in a schedule of substance use disorder treatment services. Patients of these programs typically spend several hours a day at the treatment center, several times a week. At the end of the day, the individual returns home.
Outpatient treatment programs are typically more affordable because they do not include the costs associated with room and board. Instead, the individual pays the appropriate copays and coinsurance amounts in accordance with the office visit or partial hospitalization program costs.
Does Allied Benefit Systems Cover Medication-Assisted Treatment?
Medication-assisted treatment may be covered under Allied Benefit Systems. Coverage would depend on the drug coverage provisions of the specific policy. Allied customizes healthcare plans for employers in order to provide the best mix of services at the most affordable prices for both the employer and the individual.
Does Allied Benefit Systems Cover Sober Living Houses?
Sober living houses may be covered under Allied insurance benefits for mental and behavioral health. These homes offer a drug- and alcohol-free living environment with some independence, like the ability to go to work or school.
These sober living facilities are typically used when an individual has a high likelihood of relapsing if they were to return home after finishing their initial treatment program. They’re also commonly used if the patient needs continued time to practice relapse-prevention skills before living independently.
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In-Network Vs. Out-Of-Network Insurance Coverage
When a treatment center or health care provider is in-network, it means they have a contract with the health insurance provider to provide services at agreed-upon prices with specific copays or coinsurance amounts. This often results in lower out-of-pocket expenses for the individual receiving treatment.
When an insurance provider is out-of-network, the treatment center does not specifically accept insurance plans from the health insurance provider. There is no pricing agreement in place between the provider or insurance company. This often results in higher out-of-pocket expenses, including possibly having to pay for the entire cost of treatment.
How To Find Drug And Alcohol Rehab Centers That Accept Allied Benefit Systems
1) Contact Addiction Campuses for an immediate verification of benefits. Addiction Campuses can answer questions about insurance and addiction treatment and perform a no-obligation verification of insurance benefits on your behalf.
2) Contact the insurance provider by using the phone number on the back of the insurance card or by visiting the provider’s website. A representative will be able to match you to an in-network drug and alcohol rehab center.
3) Call the treatment center you or your loved one is interested in. The treatment center’s admissions team can answer questions about covered services.