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How to Pay for Drug Rehab With Health Plan of Nevada

Last Updated: September 6, 2019

If you’re struggling with substance abuse, having treatment options available is essential to your recovery. Luckily, Health Plan of Nevada includes substance abuse treatment as part of its coverage.

Depending on your individual needs and type of plan, you may be able to use your insurance to help cover detox, outpatient, intensive outpatient, inpatient, or counseling services. Many of these options are provided by Behavioral Healthcare Options, a service that partners with Health Plan of Nevada for mental health coverage.

Learn more about treatment costs, insurance, and payment options, and verify your benefits with AAC online.

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

As Health Plan of Nevada’s substance abuse 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.

American Addiction Centers accepts Health Plan of Nevada insurance. Call (888) 966-8152 for additional information.

Types of Addictions Health Plan of Nevada Typically Covers

 Health Plan of Nevada offers coverage for most major addictions.

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, you’ll be covered if you have an addiction to:

  • Alcohol.
  • Heroin.
  • Cocaine.
  • Methamphetamine.
  • Marijuana.
  • Prescription drugs, such as opioids, benzodiazepines, and stimulants.
  • Hallucinogens.
  • Inhalants.

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

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*Insurance Disclaimer: American Addiction Centers will attempt to verify your health insurance benefits and/or necessary authorizations on your behalf. Please note, this is only a quote of benefits and/or authorization. We cannot guarantee payment or verification eligibility as conveyed by your health insurance provider will be accurate and complete. Payment of benefits are subject to all terms, conditions, limitations, and exclusions of the member’s contract at time of service. Your health insurance company will only pay for services that it determines to be “reasonable and necessary.” American Addiction Centers will make every effort to have all services preauthorized by your health insurance company. If your health insurance company determines that a particular service is not reasonable and necessary, or that a particular service is not covered under your plan, your insurer will deny payment for that service and it will become your responsibility.

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, which is when you live at a facility while receiving treatment.
  • Partial hospitalization, which is when you receive treatment during the day at the treatment center and return home at night.
  • Intensive outpatient, which involves several visits a week to a treatment center. Like partial hospitalization, it does not provide housing; however, American Addiction Centers offers housing for clients in its partial hospitalization and intensive outpatient programs who do not live locally.
  • Outpatient, 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 abuse.

How Do I Use This Plan to Pay for Rehab?

therapist with young manPaying for mental health and substance abuse 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 either before you enter treatment or soon after you’re admitted. Prior authorization is when the insurance company determines that care is medically necessary.6

Will My Employer Find Out?

Because of the stigma associated with substance abuse, you may want to keep your addiction treatment a secret. There are many reasons for this: you might be worried that if your boss finds out you’ll get fired; or you might be worried about how your coworkers and peers may react.

American Addiction Centers and other treatment programs are required by law to protect your health information, which means they cannot disclose information to people outside the treatment center that would identify you as a patient.7

However, there are certain circumstances where your information can be released to outside parties, such as the following:7

  • You provide written consent.
  • The court orders disclosure of your records for a criminal investigation against patients or personnel of the program.
  • Medical professionals need to know your medical history in an emergency.
  • The information is used in scientific research or a program audit or evaluation.
  • The information is requested in a case of suspected child abuse or neglect.

Health Plan of Nevada Facts

In operation since 1982, Health Plan of Nevada is Nevada’s oldest HMO. In 1997, it was also the first HMO in Nevada to receive accreditation from the National Committee for Quality Assurance.7

Currently, Health Plan of Nevada only operates in its home state, where it employs around 2,900 people. As of 2019, the company has around 285,000 members who receive services from 2,200 in-network providers and 210 hospitals and facilities.8

There are 4 main types of insurance offered by Health Plan of Nevada. These include:8,9

  • Medicare HMO plans, which are plans for disabled or older adults that are funded by the government.
  • Individual plans for people who do not qualify for health insurance through their employer.
  • Group point-of-service (POS) plans, which provide 3 flexible tiers of coverage, depending on your needs.
  • Group HMO plans, which require you to choose a primary care provider and seek treatment within a network of providers.

How Do I Get Started?

To find out more about how to use Health Plan of Nevada to cover addiction treatment, contact American Addiction Centers to verify your benefits. You have a few ways to do this —calling an admissions navigator, chatting with us on our site, or using the benefits verification form on this page.

After the verification process, we can help you find the best location to begin your recovery, depending on your individual needs and circumstances. Everything throughout the entire process is confidential.

If you have more questions about how to get rehab treatment with Health Plan of Nevada, give us a call today at (888) 966-8152.

Sources

  1. Health Plan of Nevada. Mental Health and Substance Use Benefits.
  2. Centers for Medicare & Medicaid Services. (2017). What You Should Know About Provider Networks.
  3. Healthcare.gov. (n.a.). Copayment.
  4. Healthcare.gov. (n.a.). Coinsurance.
  5. Healthcare.gov. (n.a.). Deductible.
  6. Healthcare.gov. (n.a.). Preauthorization.
  7. Hu, L., Sparenborg, S., and Tai, B. (2011). Privacy protection for patients with substance use problems. Substance Abuse and Rehabilitation, 2, 227-233.
  8. Health Plan of Nevada. (2019). Health Plan of Nevada in Nevada.
  9. Health Plan of Nevada. How to use your health plan.
Last Updated on September 6, 2019
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