Drug And Alcohol Rehab Programs That Accept Community Health Options

Medically reviewed by

Dr. Anna Pickering

April 25, 2019

Dealing with an addiction can be an overwhelming process. Drugs and alcohol can change everything about a person, and quickly take over their life. For those who are ready to seek help, rehab programs may be the best option for their recovery.

Many people worry about the cost of rehab programs. Fortunately, insurance providers like Community Health Options offer benefits that cover a range of innovative addiction treatment services.

Community Health Options offers individual, family, and employer-provided coverage throughout the state of Maine. This insurance provider has a range of coverage options that include PPO and HMO plans.

Does Community Health Options Insurance Provide Coverage For Addiction Treatment?

One in five Americans battles a mental health or substance use disorder during their lifetime. For this reason, Community Health Options now provides coverage for behavioral health concerns at the same level as other medical conditions.

Community Health Options believes in treating the whole person and is committed to making behavioral health easy to access. They even provide a HIPAA-compliant telemedicine platform, where members can connect with providers through their smartphone or computer.

Additionally, Community Health Options provides increased access to mental health and addiction treatment services. With many of their plans, the first three behavioral health visits are provided with no out-of-pocket cost.

Common Rehab Services Covered By Community Health Options

In recent years, more expanded addiction treatment services have become available. What works for one person won’t necessarily be a good fit for someone else, so it’s a good idea to look over the different treatment options available to you.

Your exact coverage for addiction treatment services will vary based on your plan with Community Health Options. This provider offers both PPO (preferred provider organization) and HMO (health maintenance organization) plans.

Community Health Options may provide coverage for treatment services that include:

• family therapy and intervention services
• medically assisted detox programs
• inpatient treatment
• outpatient programs
• prescription drugs
• sober living houses

Your plan may also have a deductible or require a series of copays. Each of these factors will impact your out-of-pocket treatment costs. A Community Health Options will be able to explain the exact coverage details of your insurance plan.

Medically Supervised Detox

Detox is the initial phase of treatment, in which the body clears itself of toxins that have built up over time. When detoxing from substances like alcohol and opioids, people may experience painful withdrawal symptoms. Some withdrawal symptoms can even be life-threatening.

Because of this, it’s recommended to detox under medical supervision. Prescription drugs may be administered, in order to soothe withdrawal symptoms and keep patients comfortable. Once a person has successfully detoxed, they are ready to enter into an inpatient or outpatient program.

Community Health Options provides coverage for detox, based on the structure of a person’s insurance plan. Some PPO plans require a deductible to be met, whereas many HMO members will only be responsible for a copay.

Inpatient (Residential) Treatment

In a residential treatment program, patients are given a break from the everyday stressors of life. Inpatient rehab centers are immersive treatment experiences and provide newly sober people the opportunity to address their physical and psychological well-being.

Inpatient treatment is the most intensive level of care. It can be highly beneficial for those who do not have a solid support system, or who have previously tried other types of treatment.

Once a person’s deductible is met, most Community Health Options plans provide full coverage for inpatient treatment programs.

Outpatient Rehab Programs

Community Health members have several options when it comes to outpatient treatment coverage. Outpatient treatment sessions are offered between 2-5 days per week, and usually, include individual therapy and group counseling sessions.

Like inpatient treatment, outpatient programs provide a supportive atmosphere for people to begin their recovery. Addiction education classes and regular drug screenings are part of most outpatient programs.

Community Health Options offers the first three behavioral health service sessions free of charge. After that, policyholders will be responsible for certain copay and deductible amounts. A Community Health Options representative will be able to further explain the details of your plan.

Prescription Drugs And Medication-Assisted Treatment (MAT)

One of the most effective components of a recovery treatment plan is the therapeutic use of prescription drugs. For many, medication-assisted treatment (MAT) provides a treatment avenue that addresses their substance use, as well as any underlying mental health concerns.

MAT is commonly prescribed to those who struggle with opioid use disorder and alcohol use disorder. Depending on the medication, MAT can ease withdrawal symptoms and help reduce drug cravings.

Community Health Options is mandated to cover addiction treatment prescriptions at the same level they cover other medical prescriptions. Some plans may require that you obtain pre-authorization for coverage, which means your doctor will need to fill out a form that states how MAT is essential for your recovery.

Important Questions To Ask Regarding Community Health Options Rehab Coverage

Familiarizing yourself with the different treatment options and learning the ins and outs of insurance coverage can be draining. During this process, remember that your insurance plan is designed to benefit your health care — you just have to know how to use it.

Your first step to finding a treatment center is to connect with a Community Health Options representative. They will be able to assist you in the specifics of your plan’s coverage amounts.

In order to remember all the details, it may be beneficial to have a list of specific questions on hand.

Frequently asked questions about Community Health Options treatment coverage include:

• Do my benefits cover drug and alcohol detoxification services?
• Does my Community Health Options plan apply to inpatient treatment programs?
• Am I covered for outpatient treatment services?
• Do I have to receive treatment at an in-network provider?
• Do I need any pre-certification or referrals before I am covered for treatment?
• Does my plan cover prescriptions and MAT?
• What is my estimated out-of-pocket cost?

How To Find A Rehab Program That Accepts Community Health Options

Finding the right treatment center for you or your loved one is crucial. And arming yourself with the facts about your insurance benefits can help you feel more empowered during the research phase.

Allow us to help guide you in this process. To learn more about drug and alcohol rehabs that accept Community Health Options, reach out to one of our treatment specialists today.