Drug addiction can negatively impact your life, leading to strained relationships with your family and friends. However, there is always a way to overcome the addiction through drug addiction rehabilitation centers. Drug addiction treatments do not come cheap, and an insurance cover can help you cover the costs. If you are a member of Havard Pilgrim insurance, it can help you facilitate your drug rehabilitation treatment. Harvard Pilgrim insurance has plans that cover mental health and substance abuse treatment.
How does Havard Pilgrim cover rehab services?
Different insurance policies, including the Havard Pilgrim insurance, cover drug addiction treatment such as ice addiction treatment. Such a cover is meant to help you access a wide range of specialists who can help you overcome your drug addiction problem. Depending on your plan, you can access specialists such as detoxification experts, psychiatrists, medical doctors, and holistic treatment specialists.
In most cases, Havard Pilgrim insurance covers rehabilitation treatments that use scientifically based concepts. Such a treatment requires a pre-authorization of the insurance company. That means the insurance company decides whether the treatment is medically relevant or not. Like most insurance covers, coverage depends on the chosen plan. Generally, different plans include a deductible which is the out-of-pocket costs you must pay before the insurance coverage kicks in. After paying deductibles, you may also need to pay a percentage of your treatment’s total cost, which is known as co-insurance. Or you may also be responsible for co-pay, which is a fixed sum you pay for a covered service.
What if you want an out-of-network provider?
An insurance plan will offer you a choice from a group of in-network providers who have agreed to provide services to the insurance cover members at an agreed price. The plan may require you to choose an in-network specialist or pay higher out-of-pocket costs. However, if you would like to work with an out-of-network specialist, the specialist may be able to reach an agreement with Havard Pilgrim insurance to offer you the services at the in-network providers’ rates.
What are some of the drug substance addiction treatments covered?
Havard Pilgrim insurance covers treatment for different forms of drug addictions such as:
- Prescription pills.
- Opioids such as fentanyl.
- Benxodiazepines such as valium.
Find the most suitable rehab facility for your needs.
Before you go to drug addiction treatment, it is essential to check whether your insurance plan covers the treatment program and the facility you are looking forward to enrolling in. Harvard Pilgrim insurance recommends finding a quality rehab center for your specific needs, which is conveniently located. You also need to ensure that any additional treatment facility you use is satisfied by the health insurance plan you have. The most common types of care in rehab centers include:
- Intensive outpatient.
- Standard outpatient.
- Inpatient or residential rehab.
- Partial hospitalization.
Harvard pilgrim insurance covers the standard elements of drug rehabilitation treatment and services such as:
- Physical examinations.
- Assessments done by nurses, doctors, and counselors.
- Medication provided in the course of the addiction treatment.
- The costs of food and lodging in residential rehabilitation.
- Therapy which can be individual or group therapy.
Choose a drug addiction treatment facility that aligns with your addiction recovery needs and your insurance coverage.