(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 your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by Health Net.)
Does Health Net Insurance Cover Treatment for Alcohol Addiction?
Yes, Health Net is known for providing coverage for rehab treatment of alcohol addiction. The insurance coverage depends largely on your individual policy, so you should read your policy to find out exactly what is covered. Alcohol addiction affects many people each year who need to get treatment. You can choose between outpatient and inpatient care, as Health Net provides excellent coverage for both. The type and amount of coverage also depends on your individual policy. It is best to get treatment for alcohol addiction sooner rather than later, so don’t hesitate to get help today.
Type of Rehabs Health Net Will Pay For
The type of rehabilitation center Health Net pays for depends on your individual coverage. Rehab for alcohol addiction is included in the policy’s mental health coverage. It not only offers coverage for alcohol addiction, but other areas of addiction as well, from prescription drugs to Internet usage. You will find that different types of local and long-distance rehab centers are covered, including residential treatment centers and outpatient recovery programs. Review your insurance policy to get the exact details on the types of rehab centers you have coverage for.
How Much of the Cost of Rehab Is Covered by Health Net
Like other details of your coverage for alcohol rehab, the costs depend on your specific Health Net policy. There are a variety of different types of insurance policies provided by Health Net, each of which offers a different range of coverage. While it will include mental health coverage, and thus alcohol coverage, there is no way to determine exactly how much of your treatment the policy will cover. You need to look carefully at the details of your policy. There might be coverage for a set dollar amount or a percentage of the costs of treatment. This lets you pick and choose the right alcohol rehab in order to get the most affordable treatment.
Can I Pay Above What My Insurance Will Provide to Receive Treatment?
You can always choose any type of alcohol rehab treatment you want, but keep in mind you may be paying for some of the treatment out of pocket. However, just because your Health Net policy won’t cover the full treatment program you intend to participate in doesn’t mean you are limited to insufficient care for your alcohol addiction problem. You will simply cover the additional out-of-pocket costs. For example, if you want to go to an inpatient treatment center for 60 days, and your insurance covers this center for 30 days in full, you can still stay for the entire 60 days, but will need to pay for the additional 30 days.
Inpatient Addiction Treatment vs. Outpatient Therapy
"Alcohol addiction affects many people each year who need to get treatment. You can choose between outpatient and inpatient care, as Health Net provides excellent coverage for both."
Your two main options for alcohol rehab are inpatient addiction treatment and outpatient therapy. With outpatient therapy, you stay at home and continue seeing your family and going to work, but are visiting the outpatient treatment center on designated days. During the treatment program, you will probably be assigned to a local support group and days when you need to meet with your counselor. This option requires a certain amount of willpower in order to avoid your temptations.
If you don’t think you can avoid your triggers for alcohol, you can enter an inpatient treatment center. You will live in the center for 30, 60 or 90 days. The counselors and therapists look over you closely and you participate in various activities. You may have your own room or one that is shared with other patients. They will take care of all of your meals and other necessities. Naturally, this option costs more than outpatient therapy.
Should I Choose a Residential Rehab Center?
The residential rehab center, or inpatient rehab center, allows you to recover from alcohol addiction without being tempted by the local bar or family members drinking during a weekend barbecue. You stay in the treatment center full-time until you are released. Whether or not you choose a residential alcohol rehab center depends on your preferences, how much your insurance covers and how advanced your addiction is.
Will Health Net Pay for Local Rehab and Out-of-State Treatment?
When you decide to get treatment at an alcohol rehab center, you can choose between a local rehab center and an out-of-state treatment facility. While the insurance policy often prefers local treatment centers, that doesn’t mean it will not cover long-distance treatment facilities. Look at your insurance policy to find out how much of the out-of-state treatment facilities you are covered for.
Does Health Net Pay for Private or Luxury Treatment?
Private and luxury treatment are slightly different from traditional inpatient treatment programs. These treatment centers cater to celebrities, politicians, public figures and athletes. Just because it is more common for these individuals doesn’t mean you can’t always enter a private treatment program for alcohol addiction, too. Health Net offers extensive coverage for alcohol rehab, which includes luxury and private treatment. It is not so much a matter of what it will cover, but how much. If your policy covers a certain percentage of coverage, you might find that you are paying more out-of-pocket costs.
What Does Executive Treatment Offer Over Other Rehabs?
Executive treatment is for people that want to go alcohol rehab, but still need to attend to normal business operations each day. It is a type of inpatient program with flexible amenities. Busy executives and business professionals are able to get the help they need from the treatment center while still keeping up on business with their laptop, tablet or smartphones. These treatment centers offer in-room desks, updated technology and video conferencing capabilities.
What Treatment Lengths Will Health Net Pay For?
Health Net covers different types of treatment lengths, with the shortest being between 28 and 30 days, followed by 60 days and 90 days. These treatment lengths are usually for inpatient or residential treatment programs, so the length of treatment might be different for outpatient therapy.
What If I Have No Insurance?
If you do not have insurance, you can still get treatment from alcohol rehab. Inquire with local treatment centers to ask about free or affordable treatment options. Many of them also provide multiple treatment methods or financial plans, letting you pay a monthly amount instead of paying for the full cost upfront.
Questions and Answers
- Will Health Net Cover Multiple Rehab Stays?
Yes, Health Net allows you to have as many treatment sessions as you need. Not everyone is fully recovered after a single stay, and may need to stay longer or return to the alcohol rehab center for more treatment. Check your policy for more information about coverage for multiple stays.
- Does Insurance Pay for Aftercare?
Aftercare is part of your overall treatment program, and therefore is usually covered by your Health Net insurance policy. Check your individual policy to find out exactly what is covered as far as aftercare is concerned.
- Could Rehab Make My Insurance Premiums Higher?
No, using your coverage for alcohol rehab does not increase your insurance premiums.
- Has The Affordable Care Act (Obamacare) Affected Alcohol Addiction and Mental Health Insurance Coverage?
Obamacare does not have a negative effect on getting coverage for substance abuse and mental health, including alcohol addiction and alcohol rehab. You still get the same coverage you always have.