Drug and Alcohol Rehabs That Accept SelectHealth Insurance
Medically reviewed byJennifer Cousineau MSCP, LPCI, NCC
April 30, 2019
Using your health insurance to pay for addiction treatment can reduce your financial burden. By talking to a treatment specialist, you can get a better understanding of how or when to use your SelectHealth insurance for drug and alcohol rehab.
Paying for drug or alcohol rehab out-of-pocket can become expensive quickly. However, many rehab centers accept coverage from several health insurance providers. If you have SelectHealth insurance, your plan benefits may include financial coverage for drug and alcohol rehab services.
The amount that your insurance can cover will depend on several factors, including the type of treatment you are seeking and your insurance provider. Entering treatment for substance abuse increases a person’s chance for lifelong recovery. For many, it can be life-saving.
Understanding your insurance coverage for substance abuse before entering treatment can reduce financial stress and help you develop a treatment plan that meets your needs.
Does SelectHealth Cover Substance Abuse Treatment?
SelectHealth insurance offers a variety of health insurance plans for people across Utah and Idaho. Partnered with Intermountain Healthcare, the company currently serves over 850,000 members in its service areas.
Their commitment to improving the cost and quality of healthcare services for members is demonstrated through their comprehensive health benefits. This includes coverage for substance abuse and mental health services.
The types of services covered by SelectHealth insurance and the amount of coverage varies among different plans. Many addiction treatment services may be fully or partially covered with insurance. However, not all plans offer the same benefits.
Other factors that can affect your substance abuse coverage from SelectHealth include:
- your location
- rehab center/treatment provider
- treatment program length
- type of treatment service
Addiction Treatment Services Covered By SelectHealth Insurance
There are many types of treatment programs designed to help people struggling with drug or alcohol abuse. The type of treatment needed will depend on the severity of a person’s addiction and other personal factors.
SelectHealth works with Intermountain Healthcare to reduce costs for health services that improve both the physical and mental well-being of their members. In 2015, this effort led to their formation of the Opioid Community Collaborative (OCC) with the support of community agencies.
Get treatment when
and how you need it.
SelectHealth has a broad network of addiction treatment centers and providers that accept their insurance plans. If you are insured under SelectHealth, you may be able to seek services from in-network treatment providers at reduced or no cost.
Types of addiction treatment services that may be covered by SelectHealth:
- medical detox
- drug and alcohol abuse screenings
- inpatient treatment
- outpatient treatment programs
- prescription drugs
SelectHealth may cover short or long-term stays within a rehab center for intensive treatment. Inpatient treatment is often needed to detox from severe drug or alcohol dependence and to treat the mental and psychological aspects of addiction.
Inpatient programs provide a safe environment for people to receive 24-hour supervision and care. These programs commonly last between 30 to 90 days, but may last longer depending on the needs of the patient.
During an inpatient stay, patients often attend individual counseling, group therapy, and other activities that can be effective for overcoming substance abuse. Patients may also receive medications to relieve cravings or to treat agitation, anxiety, or depression.
Inpatient treatment may be recommended if:
- outpatient treatment is not helping enough
- you have acute medical problems as a result of your substance abuse
- you have other mental health problems
- you have limited or no outpatient treatment options in your area
- you are unable to stop drinking or using drugs on your own
- you need 24-hour supervision to avoid relapse
Outpatient Addiction Programs
Outpatient treatment, or aftercare, can provide the support and structure most people need to continue their recovery following an inpatient program. Outpatient treatment does not involve staying overnight in a facility. Instead, patients return home after attending treatment during the day.
Many outpatient programs allow people to return to work or school, or to otherwise slowly transition back into normal, daily activities. Most insurance plans, including SelectHealth, offer at least partial coverage for common outpatient services.
SelectHealth may require that you work with outpatient providers that are in-network. Copayments and deductibles may apply, depending on your plan policies.
Treatment plans for addiction recovery often involve several treatment approaches to address all aspects of a person’s drug or alcohol problem.
One of the most effective treatments for substance abuse is medication-assisted treatment, or MAT. This involves a combination of behavioral therapy and the safe use of prescribed medications. Many people overcoming drugs and alcohol struggle with cravings, mood swings, and other unpleasant symptoms. Certain medications can help.
Medications commonly used to treat substance abuse include:
- disulfiram (for alcohol use disorder)
- acamprosate (for alcohol use disorder)
Prescription drug coverage varies between different SelectHealth plans. While many health plans cover the costs of common prescription medications, coverage may depend on the type of drug prescribed. Some prescriptions may require a copay.
People who have SelectHealth insurance can check their prescription drug benefits online, or ask a SelectHealth representative. Members can also use these online tools to check if their medications are covered by their insurance plan.
Understanding Your SelectHealth Addiction Treatment Benefits
Understanding your SelectHealth coverage before entering substance abuse treatment can help you avoid unexpected costs down the road.
Recovering from addiction can be a stressful process. Financial stress shouldn’t need to be an added burden. By calling a SelectHealth member advocate or talking to a treatment specialist, you can learn which treatment services your health plan covers.
Many people find their insurance coverage confusing. Talking to a professional can ease the process of seeking help and give you a clearer picture of expected treatment costs.
Common questions to ask about using SelectHealth to pay for rehab:
- Do I need to get prior authorization for substance abuse treatment services? If so, which ones?
- Does my SelectHealth plan cover medical detox?
- Does my plan cover inpatient rehab? If so, for how long?
- Are there any rehab centers in my state that accept SelectHealth?
- What are my pharmacy and prescription drug benefits?
- Does my plan cover inpatient and outpatient counseling?
- Does my insurance offer any coverage for outpatient treatment programs?
- What are my responsibilities, if any, for premiums, deductibles, or copays?
How To Find A Rehab Center That Accepts SelectHealth Insurance
Using SelectHealth insurance for rehab can help reduce or eliminate treatment costs. Finding a rehab center that accepts your insurance plan will give you the best chance at reducing your treatment expenses.
Do you need help finding a rehab program that accepts SelectHealth insurance? Contact us today, and we’ll help you find rehab programs that accept your SelectHealth plan.Article Sources