ConnectiCare Insurance Coverage For Drug And Alcohol Rehab
ConnectiCare offers several insurance plans that include coverage for addiction treatment. Coverage levels will vary by plan and location.
When a person decides that they’re ready for help fighting an addiction, the first step is usually researching drug and alcohol rehab options. Addiction treatment programs may include detox, inpatient treatment and outpatient treatment as well as specialty programs such as medication-assisted treatment. Some patients may require weeks or months of therapy to get on the road to recovery.
One of the biggest concerns many people who seek addiction treatment have is how they will pay for drug and alcohol rehabilitation. Many insurance plans include coverage for rehab, either in part or in whole.
ConnectiCare insurance can benefit policyholders who are looking to work toward recovery. As one of the premier insurance programs in Connecticut, ConnectiCare offers a full range of insurance coverage levels that may include detox, rehab or sober living facilities.
Does ConnectiCare Cover Drug And Alcohol Detox?
ConnectiCare covers drug and alcohol detox, however coverage amounts and restrictions will vary between plan types. ConnectiCare offers several different levels of insurance coverage, ranging from simple bronze programs that may have lower monthly premiums to gold plans that have higher coverage options involving lower out-of-pocket payments.
Does ConnectiCare Cover Inpatient Rehab?
Most ConnectiCare insurance plans cover treatment for a substance use disorder if treatment is deemed medically necessary. Inpatient rehab is sometimes a necessity for those who are looking to break a serious addiction and learn how to live life without drugs or alcohol. However, living in a treatment facility for weeks or months can be financially overwhelming unless insurance helps cover part of the cost.
Inpatient rehab is one of the most intensive types of addiction treatment available. This level of residential care offers round-the-clock support and an environment protected from triggers that can lead to urges to use again.
Residential addiction treatment patients will live at the treatment facility for the duration of the program, spending their days and nights focused on recovery. Inpatient drug and alcohol rehab will include a combination of one-on-one therapy sessions, group meetings and specialized therapies that enable the individual to work on the issues that underlie the addiction.
Inpatient rehab is intensive by design, but for many it is an effective way to get focused on recovery, learn relapse-prevention skills and pull away from outside factors that can threaten sobriety.
Does ConnectiCare Cover Outpatient Rehab?
Because ConnectiCare handles inpatient and outpatient rehab as a part of their established behavioral health program, the first step is usually to work with a physician or psychiatrist who can help deliver a diagnosis and determine whether outpatient rehab is a good solution. When outpatient rehab is a good fit, ConnectiCare insurance coverage will usually help with the cost of the program.
Like inpatient rehab, outpatient rehab can be an effective tool to fight addiction. In some cases, outpatient addiction treatment may be a better match for a person’s unique needs than a residential treatment program.
Outpatient rehab usually offers more flexibility than inpatient programs. Some people respond well to the therapy they receive on an outpatient basis, and they’re able to continue going to work and maintaining family obligations while participating in the treatment program.
Outpatient rehab may include one-on-one counseling sessions, group meetings, specialized therapies and other forms of treatment. In many cases, therapy received as part of an outpatient rehab program is much the same as in an inpatient rehab program. However, the individual is able to go home at the end of the day. Therapy may be more intensive at the beginning of treatment and less intensive as the patient makes progress in their recovery.
Does ConnectiCare Cover Medication-Assisted Treatment?
Many insurance plans from ConnectiCare cover medication-assisted treatment. In many cases, this treatment method is included as part of a larger treatment plan that may include other therapies as well.
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Medication-assisted treatment is one of many evidence-based treatment methods for addiction. MAT programs combine medications with counseling and behavioral therapy to help strengthen recovery. Medication-assisted treatment may include the use of methadone (Diskets), buprenorphine (Suboxone) or other medications that work to prevent withdrawal and deter relapse. MAT participants should know that this treatment method is effective when it is followed exactly as prescribed by a doctor conducted under close supervision.
Does ConnectiCare Cover Sober Living Houses?
Sober living is often the last step that an individual takes when they are transitioning from drug and alcohol rehab back to their regular life. A sober living house can help someone learn how to use the relapse-prevention skills learned during treatment to handle cravings and deal with stressful situations.
Sober living facilities are all structured differently, and many have outpatient rehabilitation components in addition to providing a sober living environment. If a doctor recommends these treatments and ConnectiCare agrees it is necessary, treatment may be covered.
In-Network and Out-of-Network Providers
ConnectiCare and other insurance providers offer different coverage levels for in-network and out-of-network treatment providers. In-network treatment providers have an agreement with ConnectiCare to provide healthcare services at agreed-upon rates.
Out-of-network providers do not have a pricing agreement with the insurer. Patients’ out-of-pocket contributions toward the cost of treatment at an out-of-network provider may be higher than an in-network provider—if there is any out-of-network coverage at all.
How To Find Drug And Alcohol Rehab Centers That Accept ConnectiCare
- 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.
- ConnectiCare—ConnectiCare Plans Through Access Health CT