Addiction is a very serious issue and often requires one or more episodes of treatment. Drug and alcohol addiction can negatively impact one’s health, social functioning and employment. Treatment services should ideally address all of these areas.1
Estimates show that out of the roughly 22.7 million Americans who require treatment for drug or alcohol abuse, only about 2.5 million people actually receive treatment.2 Coventry Insurance is working hard to ensure that proper treatment is provided for those who require it, including detox and inpatient and outpatient rehabilitation.
Does Coventry Insurance Cover Detox Services?
A dedicated phase for detox and detox treatment is often included in most inpatient and outpatient rehabilitation programs.While Coventry Insurance policies do cover detox services, Coventry has many different insurance policies available – so it’s best to check your individual policy benefits to confirm your precise coverage.3
Detox is the body’s process of getting rid of any remaining drugs in the system. Detox is usually the first step in the recovery process, and treatment during detox can help ensure your safety and also ease the pain and discomfort that accompanies withdrawal. Withdrawal can be a painful process and can even be life-threatening for those addicted to alcohol or benzodiazepines such as Xanax, Valium and Klonopin.
A dedicated phase for detox and detox treatment is often included in most inpatient and outpatient rehabilitation programs – and is usually followed by a combination of individual and group therapy.
Some individuals attend detox programs that are separate from either inpatient or outpatient programs. Ideally, detox should be followed by inpatient or outpatient rehabilitation care to maximize your chance of success.
Does Coventry Insurance Cover Rehab?
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Increasingly, insurance companies are recognizing the benefit of covering treatment for substance use disorders. Coventry Insurance is indeed one of these companies and does cover for addiction rehabilitation.
Coventry policies aim to provide the treatment coverage needed to meet your individual requirements and maximize your chance of successful treatment. While types of policies vary, each policy determines your coverage based on the type of treatment deemed medically necessary for your circumstances and needs. Policies are also designed to help ensure that your treatment providers are appropriately qualified to treat your conditions.
Because addiction is medically recognized as a disease, insurance does cover rehab. Although your specific circumstances will dictate whether you require detox, inpatient services and/or outpatient services.
Choosing a treatment facility that is within your plan’s network will result in lower out-of-pocket costs – while choosing an out-of-network provider may require higher co-payments. By providing you with the choice of treatment facilities, insurance companies such as Coventry give you the ability to determine the high-quality treatment setting that will work most effectively for you.
Addiction Treatment Length Coventry Insurance Will Cover
During the rehabilitation facility’s intake process, treatment professionals will determine your individual needs for treatment. Inpatient treatment programs generally vary in length from 28 days to 90 days. Some programs – such as those provided at long-term facilities – have a longer duration. The length of the program depends on what is deemed medically necessary for your unique set of circumstances.
Most of Coventry’s insurance plans cover 30-day inpatient acute care rehab. However, if treatment professionals determine that you require additional treatment, your coverage may allow for an extended stay. Once inpatient treatment is completed, pre-authorized aftercare or outpatient treatment can ensure the best outcome possible for your recovery.
Specialty Alcohol and Drug Treatment Through Coventry Insurance
Coventry offers a system of out-of-network benefits with alternate co-payments to let you choose either a traditional rehab facility or a luxury rehab facility.While each individual’s plan has specific allowances for treatment, Coventry offers a system of out-of-network benefits with alternate co-payments to provide you with the freedom to choose your own treatment facility – whether you choose a traditional rehab facility or a luxury rehab facility.
Luxury rehab facilities provide residential recovery treatment in more of a hotel-type setting with various high-end amenities. While amenities differ between facilities, a luxury rehab facility may provide perks such as:
- Gourmet food.
- Housekeeping services.
- Private or luxury rooms.
- Fine linens.
- Health and fitness facilities.
Various types of holistic therapy might also be offered, including:
- Spa therapy.
- Equine (horse) therapy.
Some luxury treatment centers – known as “executive” rehabilitation facilities – allow business people to have access to work-related duties during the treatment process.
Insurance for Inpatient Addiction Treatment vs. Outpatient
Addiction treatment may occur on either an inpatient or an outpatient basis. Inpatient treatment offers a residential rehabilitation structure where staff personnel are accessible 24/7. Outpatient treatment offers a recovery structure that allows you to live at home during the treatment process.
In both cases, there is usually a phase of detox followed by some combination of group or individual counseling that focuses on developing relapse prevention techniques and behavioral changes to promote recovery.
Depending on your specific insurance plan, there may be a limit on the number of days of inpatient or outpatient treatment allowed per calendar year. Coventry also provides varying levels of coverage for outpatient treatment. Contacting Coventry directly is the most effective way to determine the level of coverage that your policy provides.
How to Cover What Insurance Won’t
While insurance can cover a large portion of the treatment process, some of the financial burden may still fall on you. This can be difficult for those who have experienced financial consequences as a result of their addiction. However, more facilities are recognizing that access to treatment is important and should not be limited based on finances.
There are some options available to those who are struggling to find ways to finance their treatment. Health insurance can provide a Flexible Spending Account (FSA) that you can put money into and use to pay for co-payments. An FSA allows you to save a little extra money without having to pay taxes on those savings, and your employer may even match contributions up to a certain amount.4
Many treatment facilities understand the financial difficulties of individuals entering recovery and will work with you by providing sliding scale rates based on your income. Payment plans, financial aid and installment options may also be available.
Verifying Coverage and Finding the Best Treatment
Navigating the treatment process can be difficult and confusing, especially when you aren’t sure about the specific coverage of your insurance plan. If you need further help in figuring out what your insurance will cover, you have a couple of options.
You may either call Coventry Insurance directly or else call one of our recovery advisors at 1-888-341-7785 to explore your options and learn about the best recovery program and payment plan for your needs, budget and insurance plan. You don’t have to sort through insurance or addiction treatment questions alone. Let us help walk you along your path to recovery.
- Center for Substance Abuse Treatment. (2005). Substance abuse treatment for persons with co-occurring disorders. Treatment Improvement Protocol (TIP) Series, No. 42. DHHS Publication No. (SMA) 05-3922. Rockville, MD: Substance Abuse and Mental Health Services Administration.
- Drug Facts: Nationwide Trends. (2015). National Institute on Drug Abuse.
- Products & Services. Coventry Healthcare.
- Using a flexible spending account. (2016). Healthcare.gov.