Does ConnectiCare Insurance Cover Drug & Alcohol Rehab?
Does ConnectiCare Insurance Cover Drug & Alcohol Rehab?
Based on the specific health plan you have with ConnectiCare, along with the intensity of care you require, the insurance may provide financial assistance that covers the entirety, or a significant portion, of your rehabilitation treatment for mental health and substance use disorders. This support can encompass various services, including therapy sessions, counseling, and specialized programs designed to help individuals navigate their recovery journey effectively. It’s important to review your plan details and consult with a representative to understand the extent of your coverage and the types of treatments included.
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At our facility, we invite you to share your personal journey with us in a supportive environment. You can explore various treatment options tailored to your needs, confirm your insurance coverage details, or develop a comprehensive treatment plan that aligns with your goals.
If you prefer, you can also complete our convenient online insurance verification form. Once submitted, our dedicated team will promptly verify your insurance coverage and reach out to you with the information you need. We’re here to guide you every step of the way.
Types of Addiction Treatment Options ConnectiCare Health Insurance Typically Covers
Your ConnectiCare plan may provide coverage for the following types of rehab:
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Inpatient Treatment
This level of treatment generally requires you to temporarily reside in a hospital or freestanding facility. Programs consist of individual and group therapy and medical supervision, and may include detox and/or 12-step meetings. Inpatient treatment periods can range from a few days to a few months.
Partial Hospitalization (PHP)
In a PHP, you have access to medical care and other hospital services during treatment but are able to return home outside of program hours. During treatment, you will attend several group sessions, but you may also meet individually with a therapist, social worker, psychologist, or psychiatrist. These programs typically meet 4 to 6 hours per day, from 5 to 7 days per week. It may be the first type of treatment that you receive, or you may transition to this type of program after being an inpatient.
Intensive Outpatient (IOP)
This is a form of drug rehab that can be a step-down from partial hospitalization or inpatient treatment. However, many people do go straight to IOP when seeking rehab services. IOPs will usually meet about 3 hours per day for 3 to 4 days or more per week. Some programs offer daytime sessions, while others are held in the evenings. Many people in this type of program are able to continue work or school while obtaining treatment. American Addiction Centers offers room and board for patients in its IOP and PHP programs who do not live locally.
Outpatient Treatment
Standard outpatient treatment efforts may consist of 1 to 2 individual or group sessions with a counselor per week. Sessions will typically last about an hour. Continued outpatient treatment frequently serves as a step-down from an IOP program, partial hospitalization, or inpatient treatment. However, some people may only seek outpatient treatment for addiction rehab.
A professional assessment can help you decide which form of treatment is best for you. Factors that may affect which treatment is the right fit include:4
- Likelihood of need for withdrawal management.
- Physical and mental health status.
- Desire to change.
- Possibility of relapse.
- Home environment.
Types of Addictions ConnectiCare Health Insurance Typically Covers
Types of Addictions ConnectiCare Health Insurance Typically Covers
ConnectiCare provides coverage for a wide range of treatment options for various drug addictions. Specifically, the common types of addictions that fall under their coverage include:
Heroin
An opioid derived from morphine, heroin addiction can lead to severe physical and psychological dependence. Treatment often focuses on detoxification and opioid replacement therapies.
Prescription Drugs
This category encompasses a variety of substances, including opioids (like oxycodone and fentanyl), benzodiazepines (such as Xanax and Valium), and stimulants (like Adderall and Ritalin). Each of these can lead to significant addiction issues, requiring tailored approaches that may involve medication-assisted treatment and behavioral therapies.
Methamphetamine
Known for its potent stimulant effects, methamphetamine use can have devastating effects on an individual’s physical and mental health. Comprehensive treatment plans typically include intensive therapy to address both addiction and co-occurring mental health issues.
Cocaine
A powerful stimulant that can lead to addiction very quickly, cocaine treatment often involves counseling and support to help individuals manage cravings and triggers.
Alcohol
Alcohol dependence is commonly treated through various approaches, including detoxification programs, inpatient rehabilitation, and outpatient counseling, focusing on both physical recovery and therapeutic support to prevent relapse.
Marijuana
While often viewed as a less severe addiction, some individuals can develop a dependency on marijuana, necessitating specific treatment strategies that engage both psychological and behavioral interventions.
Hallucinogens
This category includes substances like LSD and psilocybin mushrooms, which can lead to altered perceptions and psychological challenges. Treatment often focuses on therapy to help individuals process their experiences safely.
Inhalants
Addiction to substances like glue, paint thinners, and other inhalants can be particularly dangerous and requires specialized treatment approaches to address both the physical and mental health repercussions.
While numerous rehab programs can effectively treat these addictions, it’s important to note that some facilities may offer specialized services tailored to specific types of drug addiction treatment, ensuring that each individual receives the most appropriate care for their unique situation.
What if My Provider Is Out of Network?
When a provider is in-network, ConnectiCare will usually have a contract with the provider to offer services at certain prices, and your out-of-pocket costs are usually lower than if you go to an out-of-network provider. If you choose to go to an out-of-network provider, you will usually end up paying a higher percentage of the cost of your treatment or even the full cost.
However, if you prefer an out-of-network provider for rehab, you can often work out a payment plan with the provider to pay back the cost of treatment over time.
What Does ConnectiCare Health Insurance Specifically Pay For?
ConnectiCare covers a range of essential services related to substance use treatment as part of most of its health plans. These services encompass:
Comprehensive Assessments
A thorough evaluation carried out by qualified professionals to determine the patient’s specific needs and challenges related to substance use.
Physical Examinations
Complete medical check-ups to assess the overall health of the individual, identifying any physical health issues that may be impacted by substance use.
Detox Services
Supervised detox programs that provide medical support and monitoring as individuals safely withdraw from substances, mitigating withdrawal symptoms and facilitating a smoother transition into recovery.
Medication-Assisted Treatment (MAT)
The use of FDA-approved medications that can help reduce cravings and withdrawal symptoms, paired with counseling and behavioral therapies to enhance the effectiveness of treatment.
Therapeutic Interventions
Access to both group and individual therapy sessions led by licensed therapists. These sessions offer a supportive environment for discussing personal struggles, sharing experiences, and developing coping strategies.
Inpatient or Residential Program
Coverage includes the expenses associated with staying in a treatment facility, such as accommodations, daily meals, and necessary supervision, providing a focused and structured environment for recovery.
These services are designed to support individuals on their journey to recovery, ensuring they receive the comprehensive care they need.
How Much Will I Pay Out of Pocket?
The extent of your insurance coverage for drug rehab services can differ significantly depending on the specific health plan you have chosen. Typically, most insurance policies feature a deductible, which represents the initial amount of out-of-pocket expenses you are required to pay before your insurance provider begins to contribute to the costs of treatment. In addition to the deductible, you may encounter coinsurance, which is a cost-sharing arrangement where you are accountable for paying a certain percentage of the expenses for covered services, both before and after you have reached your deductible limit. Furthermore, many insurance plans also impose a copayment (often referred to as a copay), which is a predetermined fixed dollar amount that you must remit for each covered service received.
In the case of ConnectiCare, it’s important to note that they often necessitate a pre-authorization for any drug rehabilitation services before you commence treatment, or shortly after your admission to a rehab program. This pre-authorization process involves a thorough assessment by your healthcare provider, who will gather and present relevant information to ConnectiCare to demonstrate that you meet their established criteria for medical necessity regarding drug rehab. This typically entails a phone call from your treatment provider to ConnectiCare, detailing your assessment and the rationale for your treatment needs, which ultimately aids in securing the approval required to move forward with the rehab services you seek.
How Do I Get Started?
To find out how to get started using ConnectiCare, contact American Addiction Centers and have us verify your insurance benefits. Then we can help you pick the most appropriate treatment for your coverage and specific needs.
You can call us and speak with an admissions navigator at
What is ConnectiCare Insurance?
ConnectiCare, a health insurance company and a part of EmblemHealth, offers state, regional, and national networks of care for its members. ConnectiCare is a leading health plan in the state of Connecticut that has been in business for over 40 years.1,2
Sources
- ConnectiCare. Our Story.
- ConnectiCare. About ConnectiCare Health Insurance.
- Bloomberg. Company Overview of ConnectiCare, Inc.
- Miller, S. C., Fiellin, D. A., Rosenthal, R. N., & Saitz, R. (2019). The ASAM Principles of Addiction Medicine (Sixth ed.). Philadelphia: Wolters Kluwer
Rehabs That May Accept ConnectiCare Insurance
