Connecticare Alcohol And Drug Rehab Insurance Coverage
- Connecticare Rehab Insurance Coverage
- Using Insurance To Pay For Treatment
- Do I Have To Stay In-Network?
- Out-Of-Pocket Costs
- Covered Treatment Programs
- Verifying Your Connecticare Insurance Coverage
Connecticare offers policyholders several treatment options for drug and alcohol addiction. Serving members in Connecticut, Massachusetts, and New York, Connecticare’s plans allow people who are looking for help with substance abuse issues to get inpatient, outpatient, or other types of alcohol and drug treatment.
Connecticare offers insurance coverage to several states in the northeastern United States. Many people who are struggling with addiction and substance abuse issues use their Connecticare insurance to get detox, rehabilitation, aftercare, and other addiction services.
The amount of coverage available for drug and alcohol treatment depends on individual plans offered by Connecticare insurance carriers. Some rehab facilities and health care services may be completely or partially covered by Connecticare.
Spring Hill Recovery is a Massachusetts drug rehab center that works with many health insurance providers, including Connecticare, to help people who are struggling with drug or alcohol addiction get the help they need to begin the road to recovery.
Connecticare Insurance Coverage For Massachusetts Drug And Alcohol Rehab
Connecticare partially or fully covers many forms of behavioral health treatment for people who are struggling with addiction. The exact level of treatment costs that will be covered depends on individual insurance plans.
There are three levels of coverage within Connecticare insurance policies:
- gold: This level has the highest premiums, but offers lower out-of-pocket costs, with Connecticare covering 80 percent of costs on average.
- silver: Silver plans have moderate premiums and require moderate out-of-pocket costs, with Connecticare covering 70 percent of costs on average.
- bronze: This level offers the lowest premiums, but requires the highest out-of-pocket costs, with Connecticare covering 60 percent of costs on average.
You may be required to meet a deductible before your treatment costs are covered, and you may be responsible for copays associated with treatments. You’ll likely need a pre-authorization from your physician to allow your substance abuse treatment program to be covered.
Using Connecticare Insurance To Pay For Addiction Treatment
If you or a loved one are thinking about getting treatment for struggles with addiction, using Connecticare insurance can greatly reduce the cost associated with your treatment.
Your health insurance plan may cover some or all of your treatment costs, as well as your aftercare and ongoing treatment to help you continue your recovery journey.
Do I Have To Stay In-Network To Use Connecticare Insurance For Massachusetts Drug Rehab?
When you search for the right rehab facility for substance abuse treatment, you’ll want to consider whether it makes more sense for you to go to an in-network or out-of-network treatment facility.
If you choose a network provider, it may be more likely that your treatment costs will be covered by your insurance company. In-network facilities are in a partnership with your insurance company.
Out-of-network facilities do not have a partnership with your insurance company, and getting treatment at an out-of-network facility may result in higher out-of-pocket costs.
What Will Be My Out-Of-Pocket Costs For Rehab?
Your out-of-pocket total costs for rehab will comprise any costs not covered by your insurance plan. You may be responsible for costs prior to meeting your deductible for the calendar year, copayments, coinsurance, and other costs associated with treatment.
It’s key to know how much your deductible is and to know how far you are from meeting your deductible for the year. You’ll also want to consider your copayment cost to help you understand how much you’ll be paying for treatment.
If cost is making it difficult for you to get treatment, talk to your potential rehab facility about private pay options and scholarship opportunities.
Finding A Massachusetts Rehab Center That Accepts Connecticare
Connecticare insurance is widely accepted in the United States northeast, and it’s likely that you won’t have a hard time finding a treatment center that accepts your insurance policy. Feel free to reach out to Spring Hill Recovery to talk with us about your options.
Does Connecticare Cover Massachusetts Inpatient Rehab Programs?
Inpatient or residential treatment can be a good fit for many with severe substance use disorders, as this treatment option allows you to fully focus on your recovery.
Depending on your individual coverage, Connecticare may offer partial or full coverage of an inpatient treatment or residential rehab program.
Is Medical Detox Covered By Connecticare?
Drug and alcohol detox treatments are typically covered by Connecticare health insurance. For many people, a supportive medical detox program is the first step toward sobriety. The amount of coverage offered by Connecticare for detoxification services will depend on your individual health plan.
Does Connecticare Cover Outpatient Treatment?
For people who are unable to take time away from work or home for treatment, outpatient treatment can be an effective way to get the help that you need while still attending to the responsibilities of everyday life.
If your doctor believes that outpatient rehab is the best fit for you, Connecticare will typically cover some or all of the costs of your outpatient care program.
Is Partial Hospitalization Covered Through Connecticare?
Partial hospitalization programs, or PHP programs, are intensive day programs for people who are beginning their recovery. Your level of coverage will depend on your individual Connecticare plan.
Is Massachusetts Intensive Outpatient Treatment Covered Through Connecticare?
Intensive outpatient programs (also known as IOPs) are similar to PHPs. When you go through IOP treatment, you don’t need to stay overnight at the facility, but you still get the care that you need to work toward recovery. Connecticare may cover part or all of your intensive outpatient program treatment cost.
Does Connecticare Cover Medication-Assisted Treatment?
For many people, especially those with a chemical dependency, medication-assisted treatment (MAT) can create a necessary bridge from addiction to recovery.
Many people who are beginning the process of getting sober begin with medically assisted detox, and progress to MAT, which continues after detox is completed. Connecticare may cover some or all of the costs of your medication-assisted treatment program.
Are Methadone Costs Covered By Connecticare?
Methadone maintenance therapy, or MMT, is an important part of the recovery process for some people who are struggling with addiction. If your doctor prescribes you methadone to help you through the recovery process, the costs of your prescription drugs may be covered by Connecticare. Your coverage amount (and potential copay) will depend on your health plan within the Connecticare system.
Will Massachusetts Connecticare Cover Suboxone Therapy?
Suboxone, also known as buprenorphine, is a drug used to help people who are struggling with opioid addiction. If your doctor prescribes Suboxone as a part of your drug rehab program, the medication may be covered by Connecticare.
Does Connecticare Cover Sober Living?
Sober living is a transitional facility to help you bridge the gap between treatment and the return to daily life. Many sober living facilities operate in conjunction with rehab programs, creating a seamless transition from one phase of treatment to the next.
If sober living is a good fit for your needs, part or all of the costs may be covered by Connecticare, depending on your individual plan.
Verifying Your Massachusetts Connecticare Insurance Coverage
If you’ve decided that it’s time for your or a loved one to get the help you need to overcome a substance use disorder, the first step toward recovery is verifying your Connecticare insurance coverage. This will allow you to know what to expect for the cost of treatment, as well as what treatment facilities are available to you.
Spring Hill Recovery Center can help you through this process. We can look over your insurance policy to help you learn more about what types of addiction treatment you qualify for.
At Spring Hill, we believe that it’s possible for you to get healthy and begin living the sober life you deserve. Reach out to us today to learn more about our treatment programs. We can help you decide which of our programs is the best fit for your needs.
Written by Spring Hill Editorial Team
©2021 Spring Hill Recovery Center | All Rights Reserved
This page does not provide medical advice.
- Connecticare https://secured.connecticare.com/Producers/resources/2020-ind-exchange-product-brochure.pdf
- Harvard Health Publishing—5 myths about using Suboxone to treat opiate addiction https://www.health.harvard.edu/blog/5-myths-about-using-suboxone-to-treat-opiate-addiction-2018032014496
- Substance Abuse and Mental Health Services Administration—MAT Medications, Counseling, and Related Conditions https://www.samhsa.gov/medication-assisted-treatment/medications-counseling-related-conditions