Asuris Northwest Health Insurance Coverage For Drug And Alcohol Rehab
Asuris Northwest Health offers insurance coverage for addiction treatment. Benefits vary based on plan type and healthcare provider.
Seeking treatment for an addiction to drugs or alcohol can be an overwhelming process. Not only does a person have to choose the rehabilitation program that is right for them, but they have to figure out how to pay for treatment.
Finances often become one of the biggest hurdles to getting help for an addiction.
What some people don’t realize is that health insurance often covers some or all of the costs of treatment. This is especially true for those who are insured by Asuris Northwest Health Insurance.
Drug and alcohol rehabilitation programs fall under the behavioral health portion of Asuris Northwest Health’s insurance coverage. While all individual plans have some form of addiction treatment coverage, the level of coverage depends on the type of insurance plan, whether the facility is considered in-network or out-of-network and how long the treatment program is.
Asuris offers case-management services to help navigate the often-complicated rehab insurance waters. This service is free to those who are insured by Asuris and is staffed by licensed social workers. Case managers can help patients understand how many days of treatment are covered, find additional treatment information and figure out which program is right for them.
Does Asuris Cover Drug And Alcohol Detox?
When drug or alcohol detox happens in a hospital, it is covered at rates determined by the plan’s hospital coverage. Patients will generally pay between 10 and 30 percent in coinsurance for detox that is performed at a hospital.
Most addiction treatment plans begin with a medically managed drug and alcohol detox program. While detox does not address the psychological and behavioral aspects of addiction, it does allow the body to rid itself of drugs and alcohol and breaks any physical dependence on substances. Medically managed detox monitors withdrawal side effects and keeps the patient supported and safe throughout the process.
Medications are often provided to help the patient manage the more unpleasant withdrawal symptoms, such as:
- Inability to regulate body temperature
- Irregular blood pressure and heart rate
Does Asuris Northwest Health Cover Inpatient Rehab?
All individual insurance plans with Asuris provide coverage for inpatient drug and alcohol rehab. The level of coverage is determined by the individual plan and varies from a 10 to 30 percent copay. Inpatient rehab programs involve checking into a residential facility and living there for the duration of treatment.
Does Asuris Cover Outpatient Rehab?
Outpatient drug and alcohol rehab is covered under Asuris insurance plans. Coverage varies from a 10 percent copay to 30 percent copay. While the number of outpatient sessions is not set by the insurance plan, a case manager can help patients get the coverage they need for the treatment that is right for them.
For those who want to work through drug and alcohol rehabilitation while still going about their daily activities, such as work or caring for their family, outpatient rehab services may be the answer. Typically, outpatient rehab consists of individual and group counseling in flexible sessions that can be tailored to meet the other demands of a person’s life.
Does Asuris Northwest Health Cover Medication-Assisted Treatment?
Medication-assisted treatment may be covered by Asuris Northwest Health insurance. The level of coverage depends on how Asuris Northwest classifies the drug. Asuris classifies medications like Suboxone (buprenorphine, naloxone) and Diskets (methadone) as tier 5 medications, which means they are preferred specialty drugs that are used for a specific and rare purpose.
These medications are used in addiction treatment to prevent withdrawal and deter relapse.
Asuris covers 40 to 50 percent of the cost of all tier 5 medications. However, drug manufacturers may offer additional discounts that make medication-assisted treatment more affordable.
Does Asuris Northwest Health Cover Sober Living Houses?
If a patient’s physician classifies sober living as medically necessary, Asuris Northwest may cover the cost of this level of care as inpatient rehabilitation. However, not all sober living houses are created equal. The facility must meet certain criteria before it can be considered an inpatient rehab facility.
Sober living houses are typically supervised residential facilities that offer a safe environment to those who struggle with drug and alcohol addiction. While they are open to everyone, sober living houses are especially effective for those who have been struggling with addiction for long periods of time, those who do not have a supportive home environment or teens or young adults who need additional support.
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In-Network Coverage Vs. Out-Of-Network Coverage
An in-network facility is one that has contracted with the insurance company to charge specific rates for care provided to those who are insured with that company. Generally, if a patient uses in-network doctors, hospitals and treatment facilities, they will pay less out-of-pocket than they would if using out-of-network providers.
Asuris Northwest Health does not include insurance coverage for out-of-network providers or treatment facilities. However, Asuris has partnered with Multiplan, a national network of healthcare providers. As a result, members of Asuris have access to thousands of in-network providers across the country who may not be considered in-network by Asuris Northwest directly.
Even if a person’s desired treatment facility is not considered in-network by Asuris, it is important to contact them for a verification of benefits. Each facility employs insurance experts that can help patients navigate their personal coverage details and identify any necessary authorization requirements.
How To Find Drug And Alcohol Rehab Centers That Accept Asuris Northwest Health
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.