CareFirst Insurance Plans For Drug and Alcohol Rehabilitation
CareFirst insurance plans can help people afford drug and alcohol rehab at an inpatient or outpatient addiction treatment center. These insurance plans cover individualized treatment as well as step-based programs so patients can detox and learn how to prevent relapse.
CareFirst offers several types of insurance plans for those who need substance use disorder treatment. Plans are categorized as bronze, gold or platinum. Bronze plans offer the lowest monthly premiums but usually have higher deductibles and out-of-pocket expenses. Platinum plans come with the highest monthly premiums but often do not have deductible requirements, which means the lowest costs for medications and medical services.
CareFirst BlueChoice HMO HSA Standard Bronze Plan
- Yearly Deductible: $6,200
- Out-Of-Pocket Maximum: $9,470
- In-Network Copay: 20 percent coinsurance after deductible is met
- Out-Of-Network Copay: No Coverage
Drug And Alcohol Detox Coverage
The CareFirst BlueChoice HMO HSA Standard Bronze health insurance plan covers drug and alcohol detox, including both inpatient and outpatient detox services. Once the deductible is met, the individual can expect to pay 20 percent coinsurance for all services.
Inpatient Drug And Alcohol Rehab Coverage
Inpatient rehab for drug and alcohol addiction is covered for in-network providers. Individuals can expect to pay 20 percent in coinsurance once the deductible has been met for rehabilitation services, including drug and alcohol detox, counseling, behavioral therapy and relapse prevention.
Outpatient Drug And Alcohol Rehab Coverage
Outpatient rehabilitation for drug and alcohol addiction is covered by the CareFirst BlueChoice HMO HSA Standard Bronze health insurance plan. After the deductible has been reached, individuals seeking recovery from a substance use disorder can expect to pay 20 percent for individual and group counseling and therapeutic services.
Medication-Assisted Treatment (Suboxone, Methadone) Coverage
The CareFirst BlueChoice HMO HSA Standard Bronze insurance plan covers generic, preferred, non-preferred and specialty medications, which may include Suboxone (buprenorphine and naloxone) and methadone. Individuals can expect to pay a coinsurance of 20 percent once the deductible has been reached for all generic and brand-name drugs used as part of a medication-assisted treatment plan.
Sober Living Home Coverage
For individuals who would benefit from a substance-free living environment after completing their initial treatment program, CareFirst BlueChoice HMO HSA Standard Bronze insurance may cover sober living houses that are in-network. To determine specific coverage amounts, copays and coinsurance requirements, the individual should contact the specific sober living house or CareFirst.
CareFirst BlueChoice HMO HSA Gold Plan
- Yearly Deductible: $1,500
- Out-Of-Pocket Maximum: $7,062
- In-Network Copay: Copays vary from $25 to $600, according to service; a 20 percent coinsurance may apply for some services
- Out-Of-Network Copay: No coverage
Drug And Alcohol Detoxification
The CareFirst BlueChoice HMO HSA Gold health insurance plan covers drug and alcohol detox, after the $1,500 deductible is met. For inpatient services, individuals with substance use disorder can expect to pay a flat rate of $600 per day for their treatment. When an outpatient program is utilized, individuals will be responsible for paying $25 per office visit.
Inpatient Drug And Alcohol Programs
Inpatient rehabilitation services are a great way to get 24-hour help for a substance use disorder. These treatment programs typically last between 30 and 90 days. The CareFirst BlueChoice HMO HSA Gold insurance plan charges a flat rate of $600 per day after the deductible has been met.
Outpatient Drug And Alcohol Programs
Outpatient rehabilitation can be a good choice for individuals who have family, school or job responsibilities. The CareFirst BlueChoice HMO HSA Gold health insurance plan charges a $25 copay per visit for outpatient drug and alcohol rehabilitation services.
Medication-Assisted Treatment Programs
Medication-assisted treatment may be covered under the drug coverage provisions for generic and brand name medications. Medications that help with cravings and withdrawal symptoms, including Suboxone (buprenorphine and naloxone) and methadone, would be assessed a copay between $15 and $150 per prescription.
The CareFirst BlueChoice HMO HSA Gold health insurance plan may cover sober living homes for individuals who need a substance-free living environment after they have completed their initial treatment program. It is important to talk with the specific sober living home as well as CareFirst to determine if the sober living house is covered and in-network and for specific information on copays and coinsurance requirements.
CareFirst BlueChoice HMO Standard Platinum Plan
- Yearly Deductible: $0
- Out-Of-Pocket Maximum: $7,797
- In-Network Copay: Copay amounts vary according to the service, usually between $5 and $250
- Out-Of-Network Medical Services: Not Covered
Drug And Alcohol Detox
The CareFirst BlueChoice HMO Standard Platinum health insurance plan covers inpatient and outpatient addiction treatment services as well as mental health services. There is no deductible associated with the plan. However, individuals are expected to pay a copay amount for each service.
Inpatient Drug And Alcohol Treatment
Inpatient rehabilitation services for drug and alcohol dependency and mental health are covered under the CareFirst BlueChoice HMO Standard Platinum insurance plan. There is no deductible requirement for inpatient services, including detox, counseling and therapy. However, individuals are responsible for a copay of $250 per day for the duration of treatment.
Outpatient rehabilitation services for addiction are covered by the CareFirst BlueChoice HMO Standard Platinum insurance plan. The individual is responsible for paying $20 per office visit for individual and group counseling and therapy.
For individuals who need medication-assisted treatment for withdrawal symptoms and cravings while they recover, Suboxone (buprenorphine and naloxone) and other medications may be covered under the plan’s prescription drug coverage provisions. Individuals would be responsible for paying between $5 and $100 per prescription.
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Sober Living Homes
Continuing treatment at a sober living home may be covered by the CareFirst BlueChoice HMO Standard Platinum health insurance plan for individuals who are at an increased risk of experiencing a relapse while they adjust to life in sobriety. However, specific coverage amounts and copays should be discussed with CareFirst as well as the sober living home.
In-Network Vs. Out-Of-Network Insurance Coverage
CareFirst offers insurance coverage for services provided at addiction treatment centers that are in-network. In-network providers have a pricing agreement with CareFirst, and insured individuals can enjoy the lowest out-of-pocket expenses when they choose an in-network provider. When an out-of-network provider is chosen, individuals may be responsible for up to 100 percent of the cost of service.
How To Find Drug And Alcohol Rehab Centers That Accept CareFirst
- 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.
- 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.
- Call the treatment center you or your loved one is interested in. The treatment center’s admissions team can answer questions about covered services.