Drug and alcohol abuse affects millions of individuals and families in the United States, including thousands of people across New England states. Overcoming substance abuse isn’t easy, and for most people, requires some form of behavioral health treatment.
Connecticare is one of Connecticut’s leading health insurance companies. Connecticare Health Insurance partners with many New England drug rehab centers to expand access to life-saving substance abuse treatment.
At Recovering Champions, we understand how important it is to be able to find affordable, high-quality treatment. Here, you can find more information about using Connecticare health insurance to pay for treatment, what types of treatments are covered, and how we can help you or a loved one on their journey towards addiction recovery.
Can I Use Connecticare To Pay For Rehab?
Most Connecticare health plans include substance abuse coverage that can be used to pay for addiction rehab programs. Your amount of coverage, and the types of treatment services that are covered, may depend on your insurance policy, the level of care, and the treatment center.
Types of rehab programs that may be covered by Connecticare include:
- drug and alcohol detox
- inpatient and residential rehab
- partial hospitalization
- intensive outpatient programs
- dual diagnosis treatment
- outpatient treatment services
Under the Affordable Care Act, insurance companies like Connecticare are required to cover behavioral health services within their health marketplace plans for individuals and families. Drug rehab centers across New England work with Connecticare to remove cost as a barrier to accessing addiction treatment.
Connecticare Health Plans And Coverage Levels
Connecticare offers a wide range of insurance plans for individuals and families, including health maintenance organization (HMO) plans, point-of-service (POS) plans, health savings plans, and Medicare plans.
The type of plan and insurance policy you have with Connecticare determines your monthly premium costs, deductible requirements per calendar year, and out-of-pocket costs. This can also affect your coinsurance and copays for the treatment of behavioral health issues.
Connecticare health plans offer three tier levels of coverage:
Bronze plans offer the lowest monthly premiums, but highest out-of-pocket costs for treatment. At this tier, your plan pays for about 60% of costs for covered health care services.
Silver plans offer moderate monthly premiums and out-of-pocket costs. At this tier, your plan pays for about 70% of costs for covered health care services.
Gold plans offer the lowest out-of-pocket costs for treatment, but the highest monthly premiums. At this tier, your policy covers 80% of costs for covered health care services.
Your Connecticare plan will specify whether you’re required to choose an in-network provider to receive coverage. Covered substance abuse and mental health services may require pre-authorization to receive coverage.
Connecticare Health Insurance For Detox
Drug and alcohol detoxification (detox) services are generally covered under Connecticare health plans. Detox is often the first recommended step in the treatment process. Detox is highly recommended for people addicted to drugs such as alcohol, benzodiazepines, and opioids.
You may need to choose a detox center that is in-network with Connecticare to receive coverage for treatment. Connecticare offers an expansive network of treatment providers across the northeast region of the United States.
Connecticare Health Insurance For Inpatient Rehab
Connecticare may be used to cover full or partial costs of inpatient rehab and residential treatment. Inpatient treatment is the most effective treatment for alcohol and drug addiction.
Inpatient treatment can be critical for restoring physical, mental, and psychological health in early addiction recovery. This level of care may integrate a variety of medical and behavioral health interventions—such as behavioral therapy, group therapy, and medication-assisted treatment—to help people begin the path towards long-term recovery.
Connecticare Health Insurance For Outpatient Treatment Programs
Outpatient treatment can be helpful for strengthening your recovery skills and maintaining recovery long-term. Outpatient programs are offered as a step-down program by some rehab centers, and can be more cost-effective than inpatient treatment.
Outpatient programs eligible for Connecticare coverage may include:
- partial hospitalization programs (day treatment)
- intensive outpatient treatment
- outpatient programs
- medication-assisted treatment
- outpatient counseling
In addition to formal outpatient programs, Connecticare can help to cover prescription drug costs, urgent care psychiatric services, telehealth, and visits to your primary care provider.
Using Connecticare Insurance To Pay For Drug Rehab
Using insurance to pay for drug rehab can be confusing. Before making a plan to use your insurance plan to pay for addiction treatment, there are a few important things to know, such as:
- Which rehab centers accept Connecticare health insurance?
- Do I have to meet my deductible first?
- Does my insurance policy require copayment? Will I have out-of-pocket costs?
- Which types of treatment services does my insurance policy cover?
- Do I need to get precertification for treatment prior to beginning a rehab program?
Finding out the answers to these questions prior to entering rehab can help prevent unexpected costs and stress.
You can learn more about your insurance coverage by contacting your insurance provider or calling our rehab center to verify your insurance.
Finding New England Rehab Centers That Accept Connecticare
If you’re looking for addiction treatment that is covered by Connecticare for yourself or a loved one, consider contacting Recovering Champions.
Recovering Champions is a leading treatment facility in Massachusetts that offers treatment programs for substance use disorders and dual diagnosis. We serve the greater New England area, including Connecticut and surrounding states.
With your permission, our addiction specialists can verify your insurance coverage and explain your treatment options. To verify your insurance coverage and learn more about our New England drug treatment programs, call our free and confidential helpline today.