(Please note: Rehabs.com strives to provide you with the most updated information on each carriers' addiction insurance coverage but policy changes and errors do occur. Please check with our help line representatives or your insurance carrier directly to confirm coverage levels.)
Does ComPsych Cover Detox Services?
"ComPsych will cover 80 percent of the hospitalization costs at network facilities and 60 percent of the costs at non-network hospitals."
If you or your loved one have an addiction that requires a detox treatment before rehabilitation can get under way, ComPsych will cover 80 percent of the hospitalization costs at network facilities and 60 percent of the costs at non-network hospitals. However, you'll first need to contact ComPsych's Member Assistance Program to have the treatment preapproved before being admitted, or else you'll have to pay all the costs out of your own pocket.
Does ComPsych Cover Rehab?
ComPsych insurance plans cover some forms of drug rehabilitation, provided they've been preapproved. If you require hospitalization or outpatient treatment, ComPsych will cover 80 percent of the costs at network providers and 60 percent of non-network provider fees. However, you'll usually first need to undergo up to five free counseling sessions with a ComPsych counselor to determine what treatment is needed.
Addiction Treatment Length ComPsych Will Cover
The actual duration or length of treatment covered by ComPsych insurance plans depends on what level of treatment your ComPsych counselor determines is necessary after your discreet, confidential counseling sessions. For private inpatient and hospital services, ComPsych will normally cover up to 180 days per calendar year. The length of outpatient services covered is usually not defined by number of days, but instead determined based on a maximum dollar amount, so it could vary depending on how much the provider charges for each outpatient visit.
Specialty Alcohol and Drug Treatment Through ComPsych
Many executives and other high-level employees desire treatment through an exclusive or luxury rehab facility. However, ComPsych doesn't cover residential treatment programs such as this, but you should still be able to find the right facility with all the amenities required to make your addiction treatment successful.The treatment facility you choose will have a major impact on how successful you are at overcoming your addiction, so it's important to do some research and choose a facility that can tailor a treatment program to suit your specific addiction and needs.
Insurance for Inpatient Addiction Treatment vs. Outpatient
ComPsych covers 80 percent of costs at network inpatient and outpatient treatment facilities, and 60 percent of the fees charged by preapproved non-network providers. In addition, it also covers the same percentages of the fees charged for outpatient testing and intensive treatments. The only treatment not covered by ComPsych insurance plans is residential facilities. Nonetheless, you should still check to see what facilities are covered as part of your plan as you might be able to find exactly what you're looking for, and it will also prevent you from having to pay all the costs out of your own pocket by ensuring you get all treatments preapproved by ComPsych.
How to Cover What Insurance Won't
You'll need to cover some of the fees for your addiction treatment yourself, so it's a good idea to prepare for this before entering any treatment program. The actual amount you'll have to pay will depend on your specific treatment and the provider you choose, but it could end up being thousands of dollars. Therefore, you might want to consider other methods of coming up with the money or payment options, including:
- Payment plans
- Getting a personal loan from a bank
- Borrowing from friends or family
- Selling valuables or assets
Verifying Coverage and Finding the Best Treatment
"Choosing the right rehab facility is incredibly important and will have a big impact on whether or not the person successfully overcomes his addiction."
Determining what treatment options and facilities are covered by your ComPsych insurance plan can be quite frustrating. Choosing the right rehab facility is incredibly important and will have a big impact on whether or not the person successfully overcomes his addiction. In fact, according to the National Institute on Drug Abuse, specifically matching the treatment program to the individual's needs will more than double the chances of the addiction treatmaent being successful.
If you need more information on what's covered under your insurance plan or would like help on choosing a treatment facility that perfectly fits your specific needs, don't hesitate to call our professional team of advisers at 1-888-341-7785. Our staff is standing by 24/7 to help answer your questions and ensure that you or your loved one find the right treatment option, so the long road to recovery can begin.
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