Alcohol And Drug Rehabs That Accept AmeriHealth
Medically reviewed byDr. Anna Pickering
April 10, 2019
AmeriHealth is an insurance company with health plans that offer varying amounts of coverage for addiction rehab. Using your AmeriHealth plan to cover partial or full treatment costs can lower your responsibility for payment and ease financial stress.
Covering the cost of rehab is a common concern among people searching for substance abuse treatment. Many people feel unsure of what affordable options are available, or how they may be able to reduce their financial burden.
Using your health insurance to cover partial or full costs for treatment can help ease some of this stress. If you have AmeriHealth insurance, addiction rehab costs may be eligible for coverage under your health plan.
The amount of coverage you can receive through AmeriHealth may depend on the type of plan you have, your location, and the type of treatment you are seeking. Learning more about your AmeriHealth benefits can help you find addiction treatment for your loved one as quickly as possible.
Does AmeriHealth Cover Drug and Alcohol Rehab?
AmeriHealth offers a wide range of insurance plans. This includes locally-based plans in certain states, and nationwide plans. Each AmeriHealth plan may provide some level of coverage for drug and alcohol rehab services. This includes individual and family plans, as well as group plans through an employer.
AmeriHealth plans that may help cover rehab costs include:
- AmeriHealth Pennsylvania
- AmeriHealth New Jersey
- AmeriHealth Caritas (Medicare and Medicaid)
Your amount of eligible coverage for substance abuse services may also vary depending on if you have an HMO or PPO plan through AmeriHealth. This is likely to affect your premium, deductibles, or necessary copayments for treatment.
Addiction Treatment Services Covered By AmeriHealth
Those who have substance abuse and mental health benefits through their AmeriHealth plan may receive financial assistance for most addiction treatment services. This applies to rehab centers and providers that accept your insurance.
Under federal law, substance abuse treatment is considered an essential health benefit. This means that most insurance plans are required to cover substance abuse rehab costs as they would medical and surgical expenses. Limitations may apply depending on your plan’s policies.
Addiction services that may be covered by your AmeriHealth insurance include:
- drug and alcohol abuse screenings
- inpatient rehab programs
- mental health counseling
- prescription medications
- partial hospitalization programs (PHP)
- intensive outpatient programs (IOP)
- outpatient treatment
Ask an AmeriHealth representative about your plan’s benefits to find out what costs your plan may be able to cover.
Inpatient (Residential) Treatment
Most people that are overcoming an alcohol or drug addiction need a great deal of support in early recovery. An effective way to receive this support is to enter an inpatient program. Inpatient programs provide structure and a supportive space for people to learn skills to help them remain sober.
Inpatient programs involve living onsite for 24-hour supervision under the care of trained staff. This includes a treatment team of medical doctors, counselors, and other specialists who can personalize each patient’s treatment based on their needs.
Rehab centers that accept AmeriHealth insurance may be eligible for full or partial coverage.
The amount your insurance can pay to cover costs may depend on the type of plan you have. In addition, some AmeriHealth HMO plans may have a limit to how many days you can receive inpatient treatment coverage per calendar year.
In contrast, some AmeriHealth plans may cover up to 100 percent of inpatient treatment without a limit on the length of stay. Responsibility for copayments and meeting deductibles or premiums will depend on your plan’s policies.
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Outpatient Addiction Treatment
Outpatient rehab can be crucial for many people as they continue their path toward recovery. This can include attending individual counseling on a regular basis, medical services, and support groups.
Transitional programs such as partial hospitalization and intensive outpatient may also be recommended. Your treatment plan is developed with your needs in mind and may look different from person to person.
AmeriHealth may cover up to 100 percent of outpatient treatment costs. This amount will depend on your plan, and whether the outpatient program or provider accepts your insurance.
If your plan does not fully cover costs, you may still be eligible for partial coverage. You may also be able to work with outpatient programs or providers to determine a sliding scale. Many specialists can help you find affordable options based on your needs and insurance plan.
Medication-Assisted Treatment (MAT)
Medication-assisted treatment (MAT) involves the use of certain medications and behavioral therapy to treat addiction.
Experts have found that certain drugs can reduce relapse risk and help people keep their cravings for drugs or alcohol at bay. Medications can also be helpful for people struggling with post-acute withdrawal syndrome (PAWS).
Many AmeriHealth plans include benefits that cover the costs of prescription drugs. To determine whether your plan has prescription drug benefits, you may need to contact an insurance representative. If you have prescription drug coverage included in your plan, your insurance may be able to cover part or all of your prescription drug costs.
Using Your AmeriHealth Insurance To Pay For Rehab
If you are planning on using your AmeriHealth insurance to pay for rehab, you may need to submit certain documents prior to entering treatment. As of January 1, 2019, all AmeriHealth plans require precertification for certain services, including most substance abuse treatment services.
This may require getting certain paperwork from your doctor, who can confirm your need for substance abuse treatment. Paperwork that demonstrates medical necessity and serves as proper precertification can then be submitted to AmeriHealth before entering rehab. It may also be possible to have your treatment provider submit a claim or appeal for coverage after receiving treatment.
Your options for using AmeriHealth to pay for rehab may vary depending on your AmeriHealth plan. Talking to a treatment specialist and AmeriHealth representative can help you better understand your plan’s policies and benefits.
Common Questions About Using AmeriHealth For Addiction Treatment
It is common to have questions about your health insurance and what it can cover. Asking an AmeriHealth representative about your coverage options before entering treatment can help you avoid hidden costs and fees. They may also be able to refer you to providers that accept your health plan.
Treatment specialists, such as those at RehabCenter.net, can also help you understand your payment options for rehab. By talking to a specialist, you can better prepare yourself for what to expect and find ways you may be able to reduce your treatment costs. Remember that we are here to help.
Common questions to ask when planning to use AmeriHealth for rehab include:
- Does my AmeriHealth plan cover medically assisted detox?
- Does AmeriHealth cover inpatient rehab programs? If so, for how long?
- Which rehab programs in the United States accept AmeriHealth?
- Does my AmeriHealth plan cover medication-assisted treatment (MAT)?
- Do I need to submit any paperwork to AmeriHealth before entering rehab?
- What are my responsibilities, if any, for: premiums, deductibles, and copayments?
- Does my plan cover outpatient treatment?
- Can I use my AmeriHealth plan to cover prescription drug costs?
How To Find A Rehab Program That Accepts AmeriHealth
Using insurance can reduce or even eliminate costs for addiction treatment. Finding a rehab program that accepts AmeriHealth can provide you with affordable treatment options for you or a loved one. By contacting one of our specialists, we can help you find rehab options based on your needs.
Don’t wait to seek treatment for you or a loved one struggling with addiction. Contact us today to find a treatment program that accepts your AmeriHealth insurance.
* Disclaimer: RehabCenter.net is not affiliated with, or endorsed by AmeriHealth. Details about AmeriHealth’s coverage are intended for informational purposes only. The specific details of your plan may vary and the specific treatment services you require may, or may not be covered.Article Sources
AmeriHealth - Services that require precertification
AmeriHealth - Preventative Care Services
AmeriHealth - Pharmacy Services