EmblemHealth will likely cover treatment for substance abuse and mental health disorders, but it depends on the plan. Even if the plan provides coverage, the member may still be responsible for some of the costs through deductibles, co-pays, and coinsurance.Confirm your benefits with American Addiction Centers and learn more about your addiction treatment options.
EmblemHealth has provided health coverage since the Great Depression of the 1930s. Today, it offers a variety of health plans—including Medicaid and Medicare—to individuals, families, retirees, government workers, and businesses. EmblemHealth focuses on using a whole-person approach to health care to help its members stay healthy long-term.1
In many cases, treatment will need to be preauthorized. Also known as prior authorization, preauthorization is when a health insurer decides a treatment or healthcare service is medically necessary. Emergencies and routine outpatient visits usually do not require preauthorization.
Additionally, EmblemHealth often requires its members to meet deductibles and/or pay co-pays or coinsurance for substance abuse and mental health treatment services.
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EmblemHealth health plans typically offer better coverage if you choose an in-network provider. These providers have contracted with EmblemHealth to offer services to members at pre-negotiated prices.
EmblemHealth may require you to pay all costs or a large portion of costs if you receive treatment from an out-of-network provider. Such providers do not have agreements with EmblemHealth. Therefore, choosing an out-of-network provider will likely result in you paying a higher amount for healthcare and addiction treatment.
If you want to receive treatment from an out-of-network provider, ask about other available payment options like payment plans that can help make treatment more affordable. Many rehab centers are willing to work with you so you or your loved one can receive treatment and successfully recover from addiction.
EmblemHealth typically covers treatment for most addictions as well as co-occurring disorders, also known as a dual diagnosis. A co-occurring disorder is when someone suffers from a substance abuse disorder and a mental health disorder at the same time.
Substance use disorders that may be covered by EmblemHealth include:
Most drug and alcohol rehab centers can treat these substance use disorders.
An admissions counselor at a drug rehab center will perform an assessment to determine the appropriate level and type of care needed for you or your loved one.
Many patients begin with a higher-intensity treatment setting such as residential rehab before transitioning to a relatively lower level of care such as standard outpatient rehab. Many people also need detoxification before they begin formal treatment.
Detox helps people complete withdrawal from drugs and alcohol. The length of time it takes to withdraw from drugs and alcohol will vary based on factors such as the substance being used and the severity of physical dependence to that substance. For example:
Detox may require the use of medications for withdrawal management; close medical supervision helps to ensure a safe, comfortable experience. Withdrawal from alcohol and benzodiazepines can be severe and include seizures, hallucinations, and extreme agitation.2
Inpatient and residential programs offer patients a safe, controlled environment away from drugs and alcohol.
These live-in programs frequently offer 24-hour support, supervision, and access to medical care. Certain inpatient rehab programs are equipped to treat people who require around-the-clock monitoring, such as those with serious medical conditions or who are experiencing a psychiatric crisis. These programs are located in hospitals or medical centers. Residential rehab also provides 24-hour support, but these programs are often housed in freestanding facilities instead of a hospital.
Inpatient and residential programs offer patients a safe, controlled environment away from drugs and alcohol and from homes that may be unhealthy or unsafe. Both inpatient and residential programs provide group and individual therapy, and they may also offer detox.
These outpatient programs meet during the day, several days per week, for at least 4 to 6 hours per day. Patients in partial hospitalization programs (PHPs) receive many of the same therapies and treatments as those in inpatient and residential programs, but without 24-hour monitoring. Patients live at home and visit the treatment center daily to receive addiction treatment.
Participants in these programs meet for therapy several days per week, usually for at least a few days hours per day. Intensive outpatient programs (IOPs) offer many of the same therapies as PHPs and inpatient programs, but meet less frequently. Like PHPs, people in these programs return home at night.
Standard outpatient rehab programs usually meet once or twice a week and offer more flexibility for those with jobs, families, and school.
In addition, EmblemHealth typically covers the following addiction treatment services:
Your first step is to verify your insurance benefits with American Addiction Centers and learn more about the services and treatments you can receive under your health plan. Then we can help you choose the most appropriate addiction treatment center based on your coverage and individual circumstances.
There are several ways to verify your insurance benefits. Call us at 888-966-8152 to speak with one of our admissions navigators. They’re available 24/7 to answer your questions and discuss your options for addiction treatment. You may also use the live chat feature on our website or fill out our easy-to-use insurance benefits form.
Everything is confidential so you can speak freely about your substance abuse or mental health disorder and get the help and information you need to become healthier.