Most private health plans do cover at least a portion of substance abuse treatment, and some include it entirely. To learn your carrier’s benefit coverage for residential treatment, call them or visit their website to find out what’s included. Many drug treatment centers can do this for you if you’re not sure what to ask. They can find out if they are in your provider network and how many days and what services are covered under your specific plan. United Healthcare, Cigna, Blue Cross, and Blue Shield and Aetna are the four major health insurance companies that include millions of individuals across the nation. Read more about these major insurance providers and the addiction treatment services they cover. Many people’s policies under United Healthcare cover at least a portion of addiction treatment services, including detoxification and inpatient rehab costs. The amount of coverage depends on your chosen plan level and your residential location. To better support individuals searching for ways to overcome their addiction, United Healthcare created a United Behavioral Health division. The division provides confidential substance abuse and mental health services to ensure the highest potential for recovery possible. Explore additional ways United Healthcare can help you or a loved one heal from the effects of drug and alcohol abuse. Cigna prides itself on providing affordable, quality healthcare coverage to nearly 86 million global customers. Depending on your chosen plan, Cigna will cover many of the addiction treatment expenses you’ll be responsible for when you want an inpatient or outpatient facility. People looking to treat their addiction will be served by Cigna’s Behavioral Health division, which is dedicated to providing educational tools and resources for overcoming their substance abuse. Treatment coverage and costs much depend on your specific plan and where you’re located. Find out more about Cigna’s plans and levels of coverage for substance abuse treatment services.
While many insurance policies set a limit on the level of addiction treatment a person may receive, Aetna takes a more individualized approach. The company will work with an individual’s needs to determine how much coverage is needed for a successful recovery. They’ll also help people find therapeutic and aftercare support services in their community. Those with Aetna insurance may be covered for partial hospitalization, detox, inpatient rehab, and continuing care. Still, it’s essential to contact your provider to check what’s covered under your plan. Discover what other addiction treatment services could be covered under your Aetna insurance plan. Nearly one in three people nationwide are covered by a Blue Cross and Blue Shield insurance plan, which is why the company is committed to providing excellent care to all of its customers. People wishing to heal from their toxic abuse patterns can be covered for detox services, inpatient rehab, or partial hospitalization – depending on the plan they’ve chosen. Besides, those who suffer from addiction have access to round-the-clock support and educational tools, thanks to the company’s One Health mobile platform. Read more about the vast array of coverage options under a Blue Cross Blue Shield insurance plan.
The Affordable Health Care Act (ACA, or Obamacare)
Under the Affordable Health Care Act, an insurance applicant is no longer penalized for a pre-existing condition, allowing someone who is already battling an addiction to apply for healthcare policy. Drug and alcohol disorders are included in the ten essential health benefits central to the ACA, which means that these policies must treat addiction and mental health disorders with the same level of importance as any other medical condition.
