Neighborhood Health Plan of Rhode Island Insurance Coverage for Drug and Alcohol Rehab

Neighborhood Health Plan of Rhode Island is a not-for-profit health maintenance organization (HMO) insurance company. Through its provider network, Neighborhood provides its members access to healthcare services, including behavioral health providers for substance use disorders.¹

Mental and behavioral health services, including inpatient and outpatient treatment for substance use may be partially or fully covered by Neighborhood plans. To understand the specifics of your particular Neighborhood plan, you can call the number on the back of your card or verify your insurance here to explore options with American Addiction Centers (AAC).

Does Neighborhood Health Plan of Rhode Island Cover Drug and Alcohol Rehab?

Alcohol and substance use support services and treatment are covered through Neighborhood. You can find in-network addiction care specialists by using the company’s behavioral health benefit portal.

There are many different levels of care in addiction treatment. Your primary care physician or mental healthcare provider and an addiction care specialist can work with you to determine the best level of care for your needs. It’s important to note that Neighborhood covers medically necessary services. Thus, substance use treatment—or parts of it—may require preauthorization before it’s covered.⁴

What Addiction Treatment Does Neighborhood Health Plan of Rhode Island Cover?

Your Neighborhood insurance policy may cover a variety of addiction services. Some of the programs and services that may be covered by your Neighborhood Health Plan of Rhode Island include:⁴

• Detoxification. As part of the inpatient and community-based behavioral health and substance use services offered by Neighborhood, medically managed detox may be the first step in a comprehensive treatment plan. Detox helps your body rid itself of substances in a safe, supervised environment that keeps you as comfortable as possible as you experience withdrawal.
• Inpatient care. Inpatient care or residential treatment involves living at the treatment facility while receiving 24/7 support. Inpatient care removes you from everyday stressors and potential triggers and allows you to focus completely on your recovery, which includes learning coping skills necessary to help you avoid relapse.
• Outpatient treatment. There are several levels of outpatient treatment, including standard outpatient treatment, intensive outpatient programs (IOPs), and partial hospitalization programs (PHPs). Outpatient programs differ in intensity and level of support but allow you to return home or to a sober living environment after treatment, which takes place at regularly scheduled times and may include psychoeducation, behavioral therapies, mutual-help groups, and more.
• Medications for addiction treatment. Your healthcare provider may recommend that you take medication to support your recovery, and this medication may be partially or fully covered by your Neighborhood plan.

How to Check Your Neighborhood Health Plan of Rhode Island Benefits

It’s important to understand your benefits so that you know what your out-of-pocket costs entail and other details regarding duration, covered therapies and interventions, and more. As a policyholder with an online account, you can access your coverage, approved medications, plan information, and in-network provider directory.

Is Mental Health and Co-Occurring Disorder Treatment Covered Under Neighborhood Health Plan of Rhode Island?

Many mental health disorders co-occur with substance use disorder. In fact, it’s not uncommon for an individual with a substance use disorder to also have other mental health disorders, such as anxiety disorders, depression, or bipolar disorder, for instance. Treating the disorders simultaneously is most effective, according to research.⁵

Services to diagnose and treat co-occurring mental health and substance use disorders may be fully or at least partially covered by your Neighborhood plan.⁴

What To Do if My Policy Does Not Cover an Inpatient Rehab Program

Cost or lack of coverage should never prevent you from seeking addiction treatment. Besides using insurance to pay for all or some of your care, there are other ways to pay. You can also pay cash or use credit cards to pay for your treatment. Some facilities offer payment plans, sliding scale fees, and scholarships for eligible individuals. If you’re not sure how to pay for treatment, talk to the facility directly and inquire about your options. You may also want to see if you qualify for state-funded rehab, which offers free or low-cost care.