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Lifetime Healthcare Insurance For Drug Rehab

Lifetime Healthcare for drug rehab coverage

Article Contents

Finding a drug rehab center that accepts your health insurance is often one of the first steps towards seeking help for addiction. At Recovering Champions, we accept insurance through a variety of insurance providers, including some plans offered by Lifetime Healthcare.

Lifetime Healthcare is a not-for-profit holding company based in New York that provides healthcare coverage for over 1.5 million people through its affiliates. 

Insurance plans through Lifetime Healthcare may offer essential health benefits that can be used to pay for substance abuse and mental health services. This can help you save on treatment costs.

Lifetime Healthcare Insurance Coverage For Drug And Alcohol Rehab

The Lifetime Healthcare Companies offers several health insurance plans through its four primary affiliates. 

Lifetime Healthcare affiliates include:

  • Excellus Blue Cross Blue Shield
  • Univera Healthcare
  • Lifetime Benefit Solutions, Inc.
  • MedAmerica Insurance Company

Each insurance company affiliated with Lifetime Healthcare offers different types of insurance plans and coverage levels, including bronze plans, silver plans, gold plans, and platinum plans.

The type of Lifetime insurance plan you have may affect your coverage for behavioral health services such as substance abuse treatment, mental health treatment, and dual diagnosis programs.

Does Lifetime Healthcare Cover Drug Rehab Costs?

Under the Affordable Care Act, all insurance companies in the United States are required to offer substance abuse and mental healthcare coverage in all insurance plans. Copayment, coinsurance, and deductible requirements may apply.

If you have insurance through Lifetime Healthcare, your coverage for drug and alcohol rehab will depend on the type of plan you  have and your individual policy. Not all insurance plans provide the same level of coverage or cover all types of treatment services.

Treatment programs covered by some insurance plans include:

  • detoxification
  • inpatient treatment
  • residential rehab
  • partial hospitalization/day treatment
  • intensive outpatient
  • outpatient programs
  • sober living support

Many addiction treatment centers in the northeast region of the United States accept Lifetime insurance. Your insurance policy may require that you seek treatment from a rehab center or treatment provider that is in-network with Lifetime to receive coverage.

Does Lifetime Healthcare Provide Coverage For Drug Detox?

Overcoming drug or alcohol addiction begins with getting sober. Detox programs are highly recommended to help people stop using drugs like alcohol, opioids, and prescription drugs. 

Detoxification is generally included in insurance plans as a covered health service. However, you may be required to first seek precertification for this type of treatment before entering a detox setting.

Learn more about Drug Detox Programs

Does Lifetime Healthcare Provide Coverage For Inpatient Rehab?

Inpatient rehabilitation offers the highest level of structure and support for people with substance use disorders. Inpatient rehab can help people break the cycle of addiction and begin addressing the underlying causes of their substance abuse issues.

Short-term inpatient treatment programs may be eligible for partial or full coverage with Lifetime insurance, depending on the type of plan you have. 

Learn more about Inpatient Rehab Options

Does Lifetime Healthcare Provide Coverage For Outpatient Treatment?

Outpatient treatment programs can provide ongoing support for people throughout the addiction recovery process. Outpatient treatment programs can vary in length, cost, and programming.

Outpatient treatment programs that may be covered by insurance include:

Lifetime insurance plans may cover drug counseling, psychiatric services, prescription drug costs, and primary care. Not all treatment costs may be fully covered. Your plan may require that you pay a percentage of costs yourself.

Learn more about Outpatient Treatment Options

What To Know About Using Lifetime Healthcare Insurance For Rehab

There are several important things to know before planning to use health insurance to pay for substance abuse treatment. This is true no matter what type of insurance plan you have.

Health insurance plans can vary widely in how much coverage they provide for treatment services, monthly premium costs, and eligibility requirements for coverage.

What to know before planning to use Lifetime insurance to help pay for rehab:

  • your responsibility for copays or coinsurance
  • whether you need to meet a deductible prior to receiving coverage
  • whether your insurance requires you seek preauthorization for rehab before beginning treatment
  • whether you’re required to seek treatment from in-network providers
  • which types of treatment programs are eligible for coverage in your health plan

All of this information can be found in your insurance policy. Understanding this information prior to beginning treatment can help you prepare for treatment expenses and give you a better idea of what to expect for coverage.

Finding A Rehab Center That Accepts Your Health Insurance

Using health insurance to pay for some or all of your rehab costs can greatly reduce your financial burden. Many rehab centers accept insurance as a form of payment for alcohol and drug treatment services. 

By calling our helpline, we can verify your insurance and explain your treatment options, based on the information provided in your policy. We can also help you determine which type of treatment program may be most suitable to meet the needs of yourself or a loved one.

Verify Your Insurance With Recovering Champions

Recovering Champions is an addiction treatment facility based in Cape Cod, Massachusetts. We serve the greater New England area and offer a wide range of substance abuse and dual diagnosis programs.

It’s never too early to seek help. Call us today to verify your insurance coverage and to learn more about our drug and alcohol abuse treatment programs.

Written by Recovering Champions Editorial Team
This page does not provide medical advice.

Lifetime Healthcare Companies - Our Companies
Lifetime Healthcare Companies - About Us
U.S. Department of Health and Human Services: ASPE - Affordable Care Act Expands Mental Health and Substance Use Disorder Benefits and Federal Parity Protections for 62 Million Americans

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