Harvard Pilgrim Of Massachusetts Alcohol And Drug Rehab Insurance Coverage
- Harvard Pilgrim Coverage For Rehab
- Using Insurance To Pay For Treatment
- Do I Have To Stay In-Network?
- Out-Of-Pocket Costs
- Covered Treatment Programs
- Verifying Your Harvard Pilgrim Insurance
Harvard Pilgrim offers coverage for people who are searching for treatment for drug and alcohol addiction. Treatment options which may be covered by Harvard Pilgrim of Massachusetts may include inpatient treatment, outpatient services, detox programs, and more.
Harvard Pilgrim offers coverage to citizens in the northeastern United States, including Massachusetts, New Hampshire, and Maine. Harvard Pilgrim insurance company understands how difficult it can be to overcome substance abuse and works with policyholders to help them get the coverage they need to get healthy.
Out-of-pocket costs and the amount covered by insurance will depend on your individual Harvard Pilgrim plan. Your drug and alcohol treatment may be partially or fully covered by your Harvard Pilgrim plan.
If you or a loved one are in need of addiction treatment in New England, you may be able to use your health insurance plan to pay for care. Harvard Pilgrim is accepted at many drug and alcohol treatment centers throughout Massachusetts, including at our treatment facility, Spring Hill Recovery Center.
In order to understand how to approach your treatment costs, you’ll want to consider:
- the process of verifying your insurance before going to treatment
- out-of-pocket costs for your alcohol and drug treatment
- what’s covered under your individual Harvard Pilgrim plan
Harvard Pilgrim Insurance Coverage For Drug And Alcohol Rehab
The amount of coverage you’ll receive for your substance abuse treatment will depend on your personal Harvard Pilgrim health care plan. There are many different coverage options within Harvard Pilgrim.
Some of the most popular plans include:
- standard platinum
- standard high gold
- standard low gold
- standard silver
- standard high bronze
Coverage varies depending on your plan. Generally, the higher the plan, the higher the premium cost. When the premium cost is higher, this often means that out-of-pocket costs (including deductibles and copays) are generally lower.
Using Harvard Pilgrim Insurance To Pay For Addiction Treatment
Beginning the process of recovery can be intense, and one of the things you’ll want to take care of first is figuring out how you’re going to handle treatment costs. Using insurance is an effective way to decrease your out-of-pocket costs for treatment. Many treatment facilities accept Harvard Pilgrim insurance policies.
Do I Have To Stay In-Network To Use My Harvard Pilgrim Insurance For Massachusetts Drug Rehab?
When you use Harvard Pilgrim health plans for your treatment, you’ll find that you come across some treatment providers that are in-network, and other providers that are out-of-network.
An in-network treatment provider is a rehab facility that partners directly with your insurance company. Choosing an in-network provider may lower your out-of-pocket costs for treatment.
An out-of-network provider is a treatment facility that does not have a partnership with your insurance company. This may result in higher out-of-pocket costs than an in-network treatment facility.
What Will Be My Out-Of-Pocket Costs For Rehab?
When beginning treatment, it’s key to understand what your out-of-pocket costs may be. Out-of-pocket costs may include meeting a deductible, copayments, and other costs that are not covered by your Harvard Pilgrim plan. The total amount of your out-of-pocket costs will be determined by your individual coverage level with your insurance carrier.
It’s vital to understand your deductible amount before you begin treatment, as well as knowing how much more you need to contribute in order to meet your deductible for the calendar year. If you have yet to meet your deductible, you may need to pay for some of your addiction treatment before your insurance coverage begins.
If your copayment or other out-of-pocket costs are prohibitive to you getting treatment, talk to your treatment facility about possible scholarship opportunities and private pay options.
How Do I Find A Massachusetts Rehab Center That Accepts Harvard Pilgrim?
Harvard Pilgrim is accepted at many treatment facilities across the United States. Feel free to reach out to us at Spring Hill Recovery for help in learning more about the rehab programs that are covered under your health insurance.
Does Harvard Pilgrim Cover Massachusetts Inpatient Rehab?
Inpatient rehab, or residential treatment, may be fully or partially covered by your Harvard Pilgrim health care plan. Your coverage will depend on your individual plan.
Many people find that residential drug rehab is a good fit, as it allows them to fully focus on their recovery. Inpatient rehab offers 24-hour care in a supportive facility.
Treatments within inpatient treatment programs are comprehensive and may include such options as mental health treatment, individual and group therapy, custom treatment plans, and more.
Is Medical Detox Covered By Harvard Pilgrim?
Medical detox (also known as medically assisted detox) may be covered by your Harvard Pilgrim insurance policy. The detoxification process can be uncomfortable, and medical detox allows you to feel as comfortable as possible as the body undergoes withdrawal symptoms.
Medically supervised detox can be the safest choice for many people struggling with addiction. Attempting to detox alone can be scary at best, and fatal at worst.
Does Harvard Pilgrim Cover Outpatient Treatment?
For some people, inpatient treatment is not a good option. You may need to continue attending school or work, or you may have family responsibilities that stop you from being able to attend a residential program.
Outpatient treatment can be an excellent fit for people who need to continue with their daily responsibilities while also attending a treatment program. Outpatient services may be fully or partially covered by your Harvard Pilgrim insurance policy.
Is Partial Hospitalization Covered Through Harvard Pilgrim?
PHP, or partial hospitalization programs, do not require overnight stays. PHP programs can be an excellent fit for people who are just getting started on their recovery journey but are unable to commit to inpatient care. Partial hospitalization program insurance coverage will depend on your individual Harvard Pilgrim insurance policy.
Is Massachusetts Intensive Outpatient Treatment Covered Through Harvard Pilgrim?
Intensive outpatient treatment, or IOP, is often partially or fully covered through Harvard Pilgrim insurance. In IOP, people suffering from addiction get many of the same treatments as those in partial hospitalization programs.
Like PHP, intensive outpatient treatment is a good option for people who are ready to start treatment but are unable to commit to an inpatient treatment facility.
Does Harvard Pilgrim Cover Medication-Assisted Treatment?
Medication-assisted treatment can be effective for people who are suffering from drug or alcohol abuse, especially those who struggle with opiate abuse. Medication-assisted treatment, or MAT, may be fully or partially covered by your Harvard Pilgrim insurance policy if deemed medically necessary through a clinical assessment.
Are Methadone Maintenance Therapy Costs Covered By Harvard Pilgrim?
For people who have opioid use disorders, methadone can be an effective form of treatment. If your doctor and insurance company agree that methadone is a good fit for you, it may be partially or fully covered by your Harvard Pilgrim insurance policy.
Will Massachusetts Harvard Pilgrim Cover Suboxone Therapy?
Suboxone is a medication used to help people who are struggling with opioid use, and it may be covered by your Harvard Pilgrim insurance policy. The amount of coverage will depend on your individual Harvard Pilgrim policy.
Does Harvard Pilgrim Cover The Cost Of Sober Living?
Sober living is a transitional type of care that bridges the gap between treatment and the return to daily life. Many sober living facilities partner with rehab facilities to provide a continuation of care for people who are suffering from alcohol or drug addiction.
Sober living costs may be fully or partially covered by your Harvard Pilgrim insurance policy.
Does Harvard Pilgrim Cover Aftercare?
Aftercare is a key component of a successful recovery program. Your aftercare may be fully or partially covered by Harvard Pilgrim, depending on your individual insurance plan.
Verifying Your Massachusetts Harvard Pilgrim Insurance Coverage
If it’s time for you or a loved one to get treatment for addiction, you’ll need to first verify your insurance coverage. This will let you know what costs you can expect, and what treatment facilities will be a good fit for your needs.
At Spring Hill Recovery Center, we understand that the process of finding the right rehab facility can feel daunting, and we’re here to help.
Reach out to us today via our helpline to discuss your treatment options. We’re here to help you live a happy, healthy, sober life. Together, we’ll work with you to get you on the path to recovery, one healthy decision at a time.
Written by Spring Hill Editorial Team
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This page does not provide medical advice.