Alcohol And Drug Rehabs That Accept Health Alliance
Medically reviewed byDr. Gerardo Sison
April 12, 2019
Paying for an alcohol and drug rehab center may feel financially overwhelming, but it doesn’t have to be. Understanding how to best use your Health Alliance insurance can lessen the burden of paying for addiction treatment.
Too often, people struggling with addiction don’t get the help they need. For many, this is due to the financial fear they will be unable to afford costly treatment services. Fortunately, Health Alliance members can greatly reduce the cost of rehab programs by using their insurance plan.
Health Alliance provides medical and behavioral health coverage in Illinois, Iowa, Indiana, Ohio, and Washington. Health Alliance prioritizes customer satisfaction, so it makes sense that this insurance company has a great reputation and retains 80 percent of their members.
As an insurance provider, Health Alliance is committed to offering streamlined and affordable health care coverage. However, the exact amount of coverage that Health Alliance will provide for addiction treatment will vary by plan and location.
Can You Use Health Alliance Insurance To Pay For Addiction Treatment Programs?
Current health care laws require insurance companies to provide coverage for addiction treatment at the same level they cover other medical conditions. This makes it much easier for people across the U.S. to afford quality rehab centers.
Health Alliance offers addiction treatment coverage through individual, family, and group plans. They also offer low-cost plans for college students. Many of these plans come with an out-of-pocket cap, which means members will not pay anything over a certain amount.
The specific level of coverage will depend on your plan. If you have questions about what services you are covered for, a Health Alliance representative will be able to guide you.
Alcohol and Drug Rehab Services Covered By Health Alliance
While the term “addiction treatment” may make people think about living at a rehab center, there are many different types of treatment services. Your plan Health Alliance will likely cover certain percentages of these treatment services.
Addiction treatment services often covered under Health Alliance plans include:
- medically monitored detox
- inpatient rehab centers
- outpatient rehab programs
- mental health counseling
- prescription medications
- recovery coaching
- family therapy sessions
Your Health Alliance plan may require a series of copays. This will likely be a percentage of the overall cost. Luckily, Health Alliance has a reputation for keeping copays relatively low.
Medically Assisted Detox
The first step in addiction treatment is to successfully detox from substances. Medically supervised detox is the safest, most comfortable way to withdraw from drugs and alcohol. Withdrawal symptoms can be life-threatening when it comes to certain drugs, such as alcohol.
In a medical detox program, patients are monitored and kept comfortable. Medical staff provide medication to relieve withdrawal symptoms. Medication-assisted treatment (MAT) may also be utilized long-term. MAT reduces drug cravings and helps prevent relapse.
Health Alliance members will likely have coverage for certain detox services, including MAT. It may be more cost-effective to use detox services at a rehab center that is in Health Alliance’s network.
Get treatment when
and how you need it.
Researchers agree that the most effective form of treatment lasts at least 90 days. For some people, this is best accomplished at an inpatient treatment center.
Inpatient rehab centers provide a safe, nurturing environment for those new in recovery. Clients engage in structured, therapeutic activities as well as individual and group counseling. Medication-assisted treatment and nutrition and wellness programs are also usually offered.
Most inpatient rehab programs offer programs that last 30-90 days. Depending on your Health Alliance plan, you may be able to greatly reduce your out-of-pocket treatment cost.
Some Health Alliance plans require members to have a medical referral, in order to be covered at an inpatient rehab center. This means a doctor would need to fill out some forms that recommend you for inpatient treatment.
Inpatient programs may work best for Health Alliance members who:
- need to build a positive support system
- don’t live near an outpatient treatment center
- do not live in an environment that supports their safety and sobriety
- struggle to remain clean and sober, even with prior treatment experience
Health Alliance representatives are trained to answer any questions you may have about your coverage for inpatient treatment. More than 90 percent of member issues are resolved with just one phone call to Health Alliance customer support.
For those who are unable to attend inpatient treatment, there are multiple ways to recover in an outpatient treatment program. Outpatient will offer many of the same benefits and therapies as inpatient, but on a less intensive scale.
Sessions in outpatient treatment will typically be offered in a medical setting, such as a doctor’s office or health department. Sessions may take place several times per week, and will likely focus on recovery-based group discussions and sober living skills.
Outpatient programs may be beneficial for Health Alliance members who:
- have professional or family responsibilities
- can’t or don’t want to take a leave of absence from their job
- are unable to temporarily live at an inpatient treatment center
- could benefit from continued accountability, such as drug screenings or ongoing therapy
It’s common for people exiting an inpatient rehab center to be recommended for ongoing outpatient treatment. This helps those who are newly sober build a support system in recovery.
Outpatient treatment can be offered multiple ways. Standard outpatient programs offer sessions twice per week, while intensive outpatient programs (IOPs) have sessions three times per week. Partial hospitalization programs (PHPs) have shorter sessions, five days per week.
These options exist in order to fit a variety of unique schedules. Health Alliance outpatient treatment coverage will vary, based on your plan and location.
Using Your Plan With Health Alliance Insurance To Cover A Rehab Program
After familiarizing yourself with the many different approaches to addiction treatment, it’s important to verify what your insurance will pay for. You may want to connect with a rehab center directly, and make sure they take Health Alliance insurance.
Once you have an idea of the type of treatment services you may benefit from, contact a Health Alliance representative in order to find out exactly what your plan will cover. This allows you to be more in control of your treatment cost, and prevent any unexpected costs down the line.
Frequently Asked Questions About Covering Addiction Treatment With Health Alliance
Attending an alcohol and drug rehab center may be one of the most vital decisions you make in your lifetime. Although the insurance process can be confusing, there are member support teams in place to make sure your questions get answered.
When you contact Health Alliance, you may want to have a list of commonly asked questions on hand. This allows you to think through each angle of your treatment, before financially committing to a rehab center.
Some common questions about Health Alliance addiction treatment coverage may include:
- Does my plan pay for medical detoxification?
- Do my benefits allow for prescription medication and medication-assisted treatment cost?
- What types of outpatient treatment does my plan cover?
- Do my Health Alliance benefits offer inpatient treatment coverage?
- What lengths of stay do my benefits cover?
- Does my plan require a series of copays?
- What is my out-of-pocket cost?
- Is a medical referral needed before seeking treatment?
- Are there any forms that my doctor or I need to fill out, prior to enrolling in a rehab center?
How To Find A Rehab Center That Accepts Health Alliance
Knowing the best way to utilize your insurance can ease the stress of enrolling in addiction treatment. Arm yourself with the details of your Health Alliance plan, in order to maximize your insurance benefits.
If you have further questions, allow one of our specialists to assist you in this process. For more information on alcohol and drug rehabs that accept Health Alliance insurance, reach out to one of our team members today.Article Sources
Health Alliance - College Insurance Program (CIP)
Health Alliance - Looking for Quality Health Insurance?
Health Alliance - Quality In Numbers
National Institute on Drug Abuse - Principles of Drug Addiction Treatment: A Research-Based Guide (Third Edition)