Community Health Choice Insurance Coverage for Drug & Alcohol Rehab
Drug and alcohol addiction is a very serious issue and often requires treatment at a rehab facility. Addiction can negatively impact one’s health, social functioning, and employment. Treatment services should ideally address all these areas.1
Estimates show that out of the roughly 20.4 million Americans who require treatment for drug or alcohol abuse, only about 4.2 million people receive treatment.2 But Community Health Choice—a local, nonprofit, managed care organization working to provide affordable and no-cost health insurance plans to Texas residents—is working hard to ensure that proper rehabilitation is provided for those who require it.3
Does Community Health Choice Cover Addiction Treatment?
Community Health Choice does cover addiction rehabilitation services, since these services may fall under the category of services that are needed for the health of a patient. So yes, Community Health Choice does provide at least some coverage for drug and alcohol addiction treatment, but the amount of coverage may vary based on if the facility is in- or out-of-network, the length of stay, the treatment required and your insurance plan level.
The Affordable Care Act (ACA) requires that insurance companies provide some degree of coverage for mental health treatment, which includes substance use disorder (SUD) treatment (including coverage for drug and alcohol addiction), so Community Health Choice does cover addiction treatment.4 Community Health Choice insurance may cover a part of the cost of a rehab program, if not all of it.
The amount of coverage you have can vary widely based on your state of residence, whether the facility is in- or out-of-network, the length of your stay, and your insurance plan level. The cost of drug and alcohol addiction treatment will vary from person to person and will also depend on the rehab center, the type of program attended, and specific services received.
How to Check Your Insurance Benefits?
It’s always best to be sure about what your healthcare benefits entail. You don’t want to be caught by surprise with unexpected financial costs. You may wonder if Community Health Choice covers drug rehab, and the only way to really have the answer is to check your Community Health Choice health plan coverage.
Knowing exactly what Community Health Choice plans cover can give you peace of mind while you or your loved one is in rehab. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles. You can check your Community Health Choice coverage by calling , click here, or fill out the form below.
What Different Types of Addiction Treatment Does Community Health Choice Cover?
Getting the proper addiction treatment is essential for your recovery effort. The type of treatment plan you need will depend on the severity of your addiction and where you are in the journey to well-being. You might start out at one level of treatment and work way to another level, then continue until you don’t need treatment.
Some of the treatment programs you can expect to be covered through Community Health Choice include:6,7
- Detox services: In some cases, you may need assistance when detoxing from drugs and alcohol, which can potentially be uncomfortable, painful, or even life threatening. Medical detox helps you safely withdrawal from drugs and alcohol, as you’ll receive around-the-clock medical supervision. You might also be given medications to help minimize withdrawal symptoms.
- Inpatient or residential care: Inpatient/residential live-in treatment centers provide drug and alcohol rehab while you live onsite at the facility. Most inpatient programs last anywhere from 15–90 days, depending on the program you’re in and your individual needs.
- Partial hospitalization (PHP): Partial hospitalization programs give you the opportunity to live at home while attending treatment during the day.
- Intensive outpatient program (IOP): Intensive outpatient programs involve attending treatment programs a few evenings a week. In an intensive outpatient program, you can live at home and even go to work during the day.
- Outpatient treatment: Individuals who have completed inpatient treatment often attend outpatient treatment for ongoing support on their journey to sobriety. You live at home and spend 10–12 hours a week at the treatment facility for therapy and support.
What Should I Do if Community Health Choice Won’t Cover the Total Cost of Rehab?
If your insurance plan won’t cover your rehab, don’t despair, because many facilities offer payment plans that will allow you to get the treatment you need. Government programs also offer aid to recovering addicts that can prove helpful. Many facilities will work with you to figure out how to have access to treatment and make it affordable.
There are other resources to help you cover the cost of rehab. You can check with the rehab facility for a sliding scale fee or payment arrangement. Additionally, some facilities offer financial aid or scholarships for treatment. If those options aren’t available, you could try to get a loan from family or friends.
Here are some resources that can help:
So, can you use your Community Health Choice insurance coverage for addiction rehabilitation? Yes, you can! The specific details and how much the insurance pays for will depend on your plan and the provider you choose. However, there are options to help you pay if your insurance doesn’t cover the full cost.
What’s most important is that you can get the help you need to treat your addiction. There is a lot of information regarding health insurance that can be confusing and perhaps overwhelming. If you would like some help in sorting through this information to the get the addiction treatment you need, make sure to call your insurance company or speak to one of our admissions navigators today. They can outline the details of your plan and help guide your search.
American Addiction Centers (AAC) strives to provide you with the most updated information on each carriers’ addiction insurance coverage, but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels.