What Is Hometown Health Insurance?
Hometown Health is Nevada’s largest not-for-profit insurance company. It was founded in 1988 and is a locally owned insurance division of Renown Health. Hometown Health offers a variety of plans and a broad provider network. Members can get individual or family coverage, a Medicare Advantage plan, and employers can offer coverage through Hometown Health to their employees.1
Does Hometown Health Cover Drug and Alcohol Rehab Treatment?
Yes, although the amount of coverage your Hometown Health plan offers will vary.2 The Affordable Care Act (ACA) requires all long-term health insurance plans to provide at least partial coverage for 10 essential health benefits.2 One of these benefits is mental health and substance use disorder treatment.2 This means that you can rely on your Hometown Health plan to provide full or partial coverage for detox, inpatient and outpatient rehab, and long-term residential treatment programs. Again, Hometown Health rehab coverage will vary depending on your plan, so it’s a good idea to verify your coverage before you commit to a program.
Do Addiction Rehab Centers Need to be In-Network to Accept Hometown Health Insurance?
Insurance providers make agreements with specific doctors and specialists to provide care to their members at a lower price, which are commonly called “in-network” providers.3 When members see in-network providers, they often save money. When members go to an out-of-network provider, they may receive little or no coverage from the insurance company.3 Choosing a rehab center that is in-network Hometown Health coverage can help you save on out-of-pocket costs.
Types of Addiction Treatment That Hometown Health Insurance May Cover
Health insurance plans focus on providing coverage for evidence-based care that’s medically necessary. Defining what’s necessary for you will be done by working closely with your doctor and creating a treatment plan. Some of the most common treatment options are:4, 5
- Detox: While not always necessary, detox can be an important first step in treatment for many people. During medically supervised detox, patients are monitored by medical professionals, which can help them more comfortably and safely go through the withdrawal process.
- Inpatient treatment: With inpatient treatment, patients live at a facility full-time and receive 24-hour intensive, structured care. Through a mix of therapeutic approaches, inpatient treatment helps patients learn how to live a substance-free life.
- Outpatient treatment: Outpatient treatment allows patients to live at home while attending treatment for several hours a week at a facility. This can be helpful for patients who need to continue to attend school or work.
- Aftercare: “Aftercare” is a term used to describe any type of ongoing treatment, such as 12-step meetings like Alcoholics Anonymous (AA). When patients complete inpatient or outpatient treatment, an aftercare program can help them sustain their recovery.
Does Hometown Health Insurance Cover Mental Health Treatment?
Around 50% of those who have substance use issues also have a mental health disorder, known as a co-occurring disorder.6 Research shows that patients who receive treatment for both a substance use disorder and a mental health disorder at the same time experience better outcomes than those who receive treatment for only one disorder.7
Fortunately, Hometown Health insurance should provide at least partial coverage for co-occurring disorder treatment as the Affordable Care Act (ACA) includes both substance use and mental health treatment as essential health benefits.2
Which Addiction Rehab Centers Take Hometown Health Insurance?
American Addiction Centers (AAC) is in-network with Hometown Health and has rehab centers across the U.S., including in Nevada. Desert Hope Treatment Center is in a residential area of Las Vegas and provides individualized treatment plans to meet patients’ varying needs. You can use our directory to explore top-rated rehab center destinations in Nevada and out of state. You can narrow your search by filtering by treatment type, location, and accepted insurance to find a list of facilities and programs that may work for you.
How Much of the Rehab Cost Does Hometown Health Insurance Cover?
Your Hometown Health coverage may cover some or all of the cost of treatment, but coverage will vary depending on several factors including your specific plan, the type of treatment you need, and how long you will be in treatment. That’s why it’s important to verify your health insurance coverage before committing to a treatment program. As previously mentioned, you can verify your explanation of benefits (EOB) online or call the phone number on the back of your insurance card and speak with a representative to find out the details of your specific health plan. Knowing what will be covered ahead of time can help you focus on recovery.
What Should I Do If the Cost Is Not Fully Covered?
Even if you don’t have health insurance or your Hometown Health plan won’t cover the full cost of treatment, paying for rehab is still possible. There are many ways to can get help. Many rehab facilities offer payment plan options so you don’t have to pay for the entire cost of treatment upfront. Some also offer sliding scales, which adjust the cost of treatment based on your income and what you can realistically pay. Other ways you may be able to pay for rehab include:
What’s important is that you do not give up on treatment. Deciding to get help will always be a good investment in yourself and your future. If you have questions about addiction treatment or what your health insurance plan covers through Hometown Health, contact us at today. Our admissions navigators are available 24/7 to offer support, provide resources, and help you with the admissions process when you’re ready.
Check Your Hometown Health Insurance Rehab Coverage
There are several ways to determine how much your Hometown Health plan will pay for substance use disorder treatment:
- Review your explanation of benefits (EOB) online or call the phone number on the back of your insurance card and speak with a representative to find out the details of your specific health plan.
- Contact American Addiction Centers (AAC) by calling . We can verify your insurance in just a few minutes and let you know what level of coverage you can expect. If you are not ready to talk to someone on the phone, you can fill out the form below.
- Hometown Health. (n.d.). About us.
- HealthCare.gov. (n.d.). What Marketplace health insurance plans cover.
- HealthCare.gov. (2022, February). What you should know about provider networks.
- HealthCare.gov. (2019, October). Treatment options.
- National Institute on Drug Abuse. (2019). Treatment approaches for drug addiction.
- National Institute of Mental Health. (n.d.). Substance use and co-occurring mental disorders.
- National Institute on Drug Abuse. (2020, April). What are the treatments for comorbid substance use disorder and mental health conditions?