Does Your Policy Cover Rehab?

Addiction has impacted the lives of many individuals all over the world. Here in the United States, the presence of substance dependence is undeniable; the opioid epidemic and the spread of alcoholism have certainly made themselves known in this country. And, unfortunately, far too many people have fallen prey to these issues and have found themselves in need of treatment. AmeriHealth insurance can help.

Families in every state are currently dealing with the negative effects of substance dependence and addiction. These issues have torn apart families and caused relationships to be broken. Many people have lost their jobs and homes as addiction and substance use have consumed their lives — and their money.

If you’ve found yourself struggling with drug use or alcoholism, you do not have to feel alone. You don’t need to feel ashamed or guilty, either. There is hope for you; you can overcome alcohol and drug addiction for good.

Maybe you, like many others, have stopped considering treatment because of the cost of professional rehab. After all, you may already be facing challenges when it comes to getting back on your feet financially. So, the thought of paying for professional treatment is enough to deter you from getting help in ending addiction in your life.

Here at 1st Step Behavioral Health, we understand your concerns. We know that it’s not always easy to get the care you need in order to live a healthy, addiction-free life. That’s why we accept various types of insurance, including AmeriHealth. Through your health insurance company, you may be able to get financial coverage to pay for your medical detox and treatment processes!

AmeriHealth: Working With Rehab Centers to Provide Treatment

If you’re not quite sure where to start when it comes to looking for help in treating a substance use or behavioral health disorder, know that you aren’t alone. Many people wonder what their insurance covers and doesn’t cover when it comes to health care and treatment. But, that’s why we’re here! We can provide some helpful information that will give you a little more guidance when it comes to paying for addiction detox and rehab.

Many insurance companies, AmeriHealth included, offer coverage for various kinds of treatment and detox programs. Some of the programs your policy might cover are:

  • Inpatient (residential) Programs
  • Partial Hospitalization Programs (PHPs)
  • Outpatient Programs 
  • Intensive Outpatient Programs (IOPs)

Often, those who are working to overcome a substance use problem need to go through various levels of care in order to gain complete freedom from addiction and develop the skills they need for preventing relapse in their lives. So, it’s important to know what your insurance plan will cover as far as treatment goes. Fortunately, we can help you to figure this out!

Does My Treatment Center Have to Be an In-Network Facility?

AmeriHealth has a network of health care providers and facilities. These facilities are referred to as in-network and, usually, services provided by them cost considerably less than services from out-of-network facilities. Also, it’s likely that AmeriHealth, just like many other insurance companies, may provide little to no coverage for facilities that are not a part of the network. It’s important, however, to check with your insurance provider to find out which facilities are considered in-network.

The Details of AmeriHealth Insurance Plans Will Vary

The particulars of coverage and benefits of your AmeriHealth insurance plan will vary. The specifications of your policy will likely depend on things such as the state in which you live, the type of treatment facility you plan to attend, and the kind of plan you have.

Many insurance companies cover only certain types of treatment. For example, your AmeriHealth policy might not offer coverage for addiction treatments that include music therapy or hypnotherapy.

Your AmeriHealth plan may put a limit on the length of time (in terms of days) the company will cover your treatment or detox. For example, your plan may cover a 30-day detox inpatient treatment program but not a 90-day program. It may also cover only a certain amount of outpatient visits per year.

AmeriHealth offers HMO and PPO plans. HMO (Health Maintenance Organization) plans usually cover services from HMO-contracted facilities. PPO (Preferred Provider Organization) plans may show a little more flexibility, covering services from some out-of-network facilities. But, you may be required to pay a higher out-of-pocket expense.

Behavioral Health Treatment Coverage Through AmeriHealth

AmeriHealth provides coverage benefits for behavioral health, so many of those who suffer from behavioral health conditions can get coverage for treatment and care through their insurance plan. AmeriHealth covers mental health treatment as long as it is considered to be medically necessary. 

Some mental or behavioral health disorders that may be treated through AmeriHealth’s coverage might include:

  • Depression
  • Anxiety disorder
  • Schizophrenia
  • Personality disorder
  • Post-traumatic stress disorder

AmeriHealth Coverage for Medical Detox

Usually, before an individual begins the addiction treatment process, he or she needs to go through a medical detoxification process. Detoxification, commonly known as detox, is helpful in giving people the time and tools they need in order to safely end alcohol and drug use.

Some AmeriHealth plans cover detox while others do not. Also, some plans may cover detox while not covering rehab programs or vice versa. So, it’s definitely helpful to contact your insurance company to find out exactly what your policy will cover for you. You can also reach out to us here at 1st Step Behavioral Health to get more information from our professional staff! 

Does AmeriHealth Cover Both Inpatient and Outpatient Treatment?

There are two main types of addiction treatment programs: inpatient and outpatient. There are also a few other programs, including intensive outpatient programs (IOPs) and partial hospitalization programs (PHPs). 

Individuals who attend inpatient treatment, also called residential treatment, are required to live at their rehab facility for the duration of their program. Those who enroll in an outpatient program usually attend therapy sessions for a certain amount of hours every week while continuing to live at home.

Your AmeriHealth plan may provide coverage for both inpatient and outpatient treatment. But, it depends on the type of plan you have. So, it’s best to contact your insurance provider to sort through the details of your plan.

Getting the Help You Need at 1st Step Behavioral Health

If you have a health insurance plan with AmeriHealth and you’re looking for an addiction rehab center that can help you overcome substance abuse, 1st Step Behavioral Health is here for you! Let us help you find the freedom you deserve so that you can live a healthy, addiction-free life!

We understand that you may have some questions and concerns regarding the detox and treatment processes, as well as payment options. That’s why our staff is standing by, ready to answer your questions and resolve any doubts you may have.

You don’t have to continue battling addiction alone. Allow us to help you overcome this problem for good! Just contact us today by calling (866) 319-6126.

About the Author: Brittany Polansky

Brittany PolanskyBrittany has been working in behavioral health since 2012 and is a Primary Clinician at our facility. She is an LCSW and holds a master’s degree in social work. She has great experience with chemical dependency and co-occurring mental health diagnoses as well as various therapeutic techniques. Brittany is passionate about treating all clients with dignity and respect, and providing a safe environment where clients can begin their healing journey in recovery.