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Bright Health Insurance Coverage for Drug and Alcohol Rehab

Bright Health offers individual and family plans, Medicare Advantage, and small business coverage in 17 states.1 If you are struggling with alcohol or drug use, your plan should cover some, if not all, of the cost of rehab. Read on for answers to frequently asked questions about Bright Health coverage for rehab.

What Is Bright Health Insurance?

Bright Health offers health insurance that helps members afford the medical care they need. The company serves over 623,000 consumers and operates in 17 states, including:2

  • Alabama
  • Arizona
  • California
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Utah
  • Nebraska

  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

Bright Health is URAC-accredited, which is awarded to companies that have demonstrated a commitment to improving health outcomes and upholding the highest standards of care. Bright Health adheres to rigorous standards, complies fully with the Affordable Care Act (ACA), and works to offer value-based care to every member.3

Bright Health offers two primary kinds of plans:

Individual and family plans: These provide coverage to members and their families for various medical needs. Some plans have a $0 deductible, meaning the full cost of care is covered. Most plans also offer at least one primary care visit with a $0 copayment.4

Medicare Advantage: Those who qualify for Medicare can also get a Medicare Advantage plan through Bright Health. Medicare Advantage is a replacement plan for Medicare and includes extra benefits, such as $0 gym memberships, coverage for acupuncture and chiropractic care, and $0 deductibles on certain doctor’s visits and prescriptions.5

Does Bright Health Cover Drug and Alcohol Rehab Treatment?

If you have Bright Health, you may wonder how you can use your insurance to get help for a substance use disorder (SUD). The good news is insurance providers like Bright Health are required to provide coverage for behavioral health treatment (e.g., counseling and psychotherapy), mental and behavioral health inpatient services, and treatment for SUDs.6

There are several treatment types that may be covered by your Bright Health insurance plan, including:7

  • Detox programs. Sometimes a patient’s continuum of care includes detox. The detox process can vary in both ease and duration depending on the substance and if your body is physiologically dependent on it.
  • Inpatient rehab. Inpatient rehab provides intensive, structured care and therapy for SUDs in a home-like setting, equipping patients with the resources they need to manage their addiction.
  • Outpatient rehab. Outpatient rehab centers allow patients to live at home and attend treatment at a facility during the day. Outpatient rehab uses several therapies, including individual and group counseling.
  • Intensive outpatient program (IOP). With an IOP, patients typically attend treatment around 3 times a week while living at an assisted living facility.
  • Partial hospitalization program (PHP). With a PHP, patients typically attend treatment 5 to 7 days a week for several hours at a time. This option may be good for patients who do not need medical intervention but would benefit from a stronger level of support.
  • Aftercare. Aftercare helps ensure patients maintain recovery and identify ways to prevent relapse.

Check Your Bright Health Rehab Coverage

Most insurance companies cover at least part, if not all, of the cost of rehab treatment. However, the amount covered varies depending on your insurance company and specific policy. Knowing what is covered by insurance and what you will be responsible for paying out-of-pocket can provide you peace of mind. Before you commit to a specific rehab, you can call the number on the back of your insurance card, verify your insurance online, or fill out the form below.

What Rehab Centers Take Bright Health Insurance?

American Addiction Centers (AAC) has a variety of rehab centers around the country that provide drug and alcohol addiction treatment. If you have a Bright Health, the following AAC facilities accept this insurance:

  • Greenhouse Treatment Center (as of January 1, 2022): Located in Grand Prairie, Texas, Greenhouse offers individualized treatment plans and several levels of care in a luxurious setting with high-end amenities.
  • Recovery First Treatment Center: Located in Hollywood, Florida, Recovery First Treatment Center is a leading alcohol and drug rehabilitation center offering high-quality addiction treatment.
  • River Oaks Treatment Center: River Oaks Treatment Center is in Riverview, Florida, and provides high-quality drug and alcohol addiction treatment including detox, inpatient and outpatient therapy, telehealth, and more.

Do Rehab Centers Need to be In-Network?

An important factor to consider when using your Bright Health plan for addiction treatment is in-network vs. out-of-network facilities. Bright Health has a Care Partner network that it has negotiated discounts with. When you go to a rehab facility within the network, you will pay the least (e.g., a copayment).8 However, if you go to a rehab facility out of network, you will pay more as your Bright Health plan may not cover an out-of-network charge.

Does Bright Health Cover Mental Health Treatment?

Yes, the ACA requires health insurance to offer coverage for both addiction treatment and mental health needs as part of their 10 essential health benefits. Many people who struggle with addiction also struggle with a mental health condition, such as anxiety, depression, or post-traumatic stress disorder (PTSD). This is known as a co-occurring disorder or comorbidity and simply refers to two or more disorders or illnesses that are occurring in the same person.9

If you have an SUD and a mental health condition, it is important to get the care you need for both. Research shows that treating both disorders at the same time produces the best outcome for people with a dual diagnosis.9

Does Bright Health Cover Private and Luxury Rehabs?

Different rehab facilities offer different amenities. Some, for example, offer luxury or more private accommodations, which can be appealing options for some patients. Depending on your specific plan, Bright Health may cover part or all the costs of private or luxury rehabs. No matter which rehab you choose, it is important to verify your coverage benefits online so you can know what to expect in terms of coverage.

How Much of the Rehab Cost Does Bright Health Cover?

The exact amount of coverage your insurance plan provides depends on the plan and what continuum of care your doctors deem is best for you. There are several out-of-pocket costs to consider such as copayments and your deductible. Be sure to review your plan or talk to your insurance company directly to find out how much you can expect to pay.10

What Should I Do If the Cost of Rehab Is Not Fully Covered?

Your Bright Health policy may not cover all the expenses related to treatment at drug and alcohol rehab facilities. Speaking with an admissions navigator at the rehab you are considering can help you understand what is covered by your plan and what your financial commitment will be.

Not everyone has access to insurance that covers the full cost of rehab, but everyone deserves access to high-quality drug and alcohol addiction treatment. Despite the cost, it is important not to let financial concerns hold you back from getting the help you need. Many programs offer sliding scale options, in which the treatment cost is adjusted according to your salary and what you can realistically pay. Other options include grants, loans, and scholarships.

For more information on other ways to pay, visit these resources:

Getting Help for Addiction

AAC is dedicated to helping individuals struggling with addiction achieve and maintain sobriety. If you are looking to learn more about addiction treatment or have questions about your Bright Health coverage, you can contact us at .

More resources about Bright Health Insurance Coverage for Drug and Alcohol Rehab: