Health Plan of Nevada Insurance Coverage for Rehab

Does Health Plan of Nevada Cover Addiction Treatment?

Yes. Depending on your policy and location, your addiction treatment could be covered.

American Addiction Centers (AAC) is in-network with many insurance companies and offers different levels of care for substance addiction and co-occurring health issues. Health Plan of Nevada includes substance use treatment as part of its coverage.

What Kind of Addiction Treatment Coverage Does Health Plan of Nevada Offer?

As Health Plan of Nevada’s substance use and mental health services provider, Behavioral Healthcare Options is dedicated to helping members get the treatment they need. Some of the services they offer include:¹

• Mental health and substance use treatment.
• Online education and resources to help you get immediate answers to your questions.
• 24/7 crisis intervention and crisis stabilization services, which are essential during an emergency.
• Employee assistance programs, which are available to help with a wide range of issues that could potentially affect you and your family.

Types of Addictions Health Plan of Nevada Typically Covers

Health Plan of Nevada does offer coverage for most major addictions, but the specifics of coverage depend on the type of plan you have.

Generally, treatment is at least partially covered for a range of substance use disorders, which may include (but is not limited to):

• Alcohol.
• Heroin.
• Cocaine.
• Methamphetamine.
• Prescription opioids.
• Benzodiazepines.

Because these are all commonly misused substances, many rehab programs will be able to treat these addictions.

Types of Rehab That May Be Covered by Health Plan of Nevada

Health Plan of Nevada may cover several different types of rehab for those in need of addiction and mental health treatment. Covered forms of rehab or treatment may include:

• Detox, which involves monitored care while withdrawing from drugs and/or alcohol.
• Inpatient or residential treatment, which involves you living at a facility while receiving treatment.
• Partial hospitalization programs, which mean you receive treatment during the day at the treatment center and return home or to a sober living environment at night.
• Intensive outpatient programs, which involve several visits a week to a treatment center. Like partial hospitalization, it does not provide housing; however, American Addiction Centers offers sober housing for clients in AAC’s partial hospitalization and intensive outpatient programs in some areas.
• Outpatient care, which usually involves weekly visits to a therapist or treatment center.
• Therapy and counseling, which is when you talk one-on-one with a therapist about your substance use.

How Do I Use My Health Plan of Nevada Insurance to Pay for Rehab?

Paying for mental health and substance use services can be a little confusing, especially if you aren’t familiar with how your plan works.

You’ll likely need to see a provider that’s in-network or you will have higher out-of-pocket costs or your services will not be covered. In-network means that the provider has a pre-arranged agreement with Health Plan of Nevada. Out-of-network is any provider that doesn’t have predetermined arrangements with Health Plan of Nevada.²

Even when you see an in-network provider, you will usually be charged a fee when you receive care. Often, you will need to pay a copay or coinsurance when you use inpatient services or visit an outpatient provider. A copay is a fixed amount you pay for a covered healthcare service. You may have to pay it before or after you meet the deductible. Coinsurance is a percentage of the cost you pay for a covered service before or after you’ve met the deductible. A deductible is an amount you must pay out of pocket before your insurance company will begin to cover services.^3,4,5

In some cases, you’ll also need prior authorization from Health Plan of Nevada before you enter treatment. Prior authorization is when the insurance company determines that care is medically necessary.⁶

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