(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.)
"ValueOptions insurance works with many hospitals and treatment centers around the country and usually covers detox services for clients with Plan I membership."
ValueOptions insurance works with many hospitals and treatment centers around the country and usually covers detox services for clients with Plan I membership. These services are available for people with a wide variety of drug addictions that requires detox before rehab treatment can begin.
Detox is normally covered under the hospital benefits section of your plan, but only at network providers, except in emergency situations. Detox services are not available for Plan II members.
Does ValueOptions Cover Rehab?
If you're searching for a rehab facility, ValueOptions will cover rehab and treatment at any of the approved providers for Plan I members only. If you are a Plan II member, no substance abuse treatment whatsoever is covered.
For treatment, you can choose a provider not within the company's network, but the total dollar amount cannot exceed what is allowed on your plan, or else you'll have to pay the difference. Furthermore, you might have to pay up front and file your own claims when you use a non-network provider.
Addiction Treatment Length ValueOptions Will Cover
The duration or length of treatment covered is usually meant to be only short term. However, the actual length will depend on the treatment plan developed by your provider, so it could vary quite a bit.
Your treatment information will always be kept confidential, and you can choose from one of the best private treatment facilities in the country, ensuring excellent, discreet treatment to help you overcome your addiction problems.
Specialty Alcohol and Drug Treatment Through ValueOptions
Depending on which insurance plan you are covered by, you may have the option to choose between several exclusive, luxury treatment facilities complete with all of the amenities you might need to make your addiction treatment a success. These specialty, executive treatment centers are not covered under all plans, so you may need to make sure that your stay will be covered before checking in, as most treatment options need to be pre-approved.
Insurance for Inpatient Addiction Treatment vs. Outpatient
Both residential inpatient and outpatient addiction treatments are covered under the hospital benefit for Plan I members. However, these treatments need to be pre-approved and are only available from providers within ValueOptions' network.
"Some professional outpatient charges not directly related to the treatment are also covered, but only under the major medical benefit section of your plan."
Some professional outpatient charges not directly related to the treatment are also covered, but only under the major medical benefit section of your plan. These charges are covered for all providers, both network and non-network, provided that they fall within the amount allowed by your specific plan.
How to Cover What Insurance Won't
If you have used a non-network provider that charged more than the amount allowed by your insurance plan, you will have to cover the difference yourself. Many providers offer payment plans and will usually work with you to find a payment option that won't break your budget, but it's recommended to check first before taking the plunge.
Verifying Coverage and Finding the Best Treatment
According to the Substance Abuse and Mental Health Services Administration, 70 percent of individuals who undergo treatment at a residential inpatient or hospital treatment facility are able to complete their treatment and overcome their addiction, compared to only 42 percent of individuals for other types of treatment programs. This shows just how important it is to choose the right rehab program, as it could have a huge impact on whether or not you will be able to overcome your addiction.
If you need more information on the treatment options available to you or which programs are covered under your ValueOptions insurance plan, you may call our 24-hour treatment helpline at 1-888-341-7785. The call is always toll free, and our team can assist you in determining what your plan covers and in finding the best treatment center for your needs.