ConnectiCare Insurance for Addiction Treatment

Posted on June 4th, 2021

  • Does ConnectiCare Cover Addiction Treatment?
  • Checking Your Insurance Benefits
  • Do Treatment Centers Need to Be In-Network?
  • What Are the Coverage Levels and Plans for ConnectiCare?
  • What Different Types of Addiction Treatment Does ConnectiCare Cover?
  • What Should I Do if ConnectiCare Won't Cover the Total Cost of Rehab?

ConnectiCare is a health insurance company that serves members living in Connecticut, parts of Massachusetts, and New York City.1 The company offers a number of different plans to serve its members, including health maintenance organization (HMO), point of service (POS), preferred provider organization (PPO), health savings accounts, health reimbursement accounts, individual health plans, and Medicare plans.

If you have ConnectiCare insurance and are looking for drug and alcohol addiction treatment, you likely have some questions about what is covered by your insurance policy and what out-of-pocket expenses you can expect. Does ConnectiCare cover addiction treatment? The quick answer is yes; ConnectiCare will cover at least some of your addiction treatment, but read on to learn more about ConnectiCare’s coverage of substance use disorders (SUDs).

American Addiction Centers (AAC) 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.


Does ConnectiCare Cover Addiction Treatment?

Yes, ConnectiCare covers alcohol and drug abuse treatment for its members in states in which it offers coverage. ConnectiCare insurance has partnerships with drug and alcohol addiction centers throughout the country to provide a variety of detox and drug and alcohol addiction treatment services at discounted rates to members. Thanks to the Affordable Care Act (ACA), substance use disorder (SUD) treatment (including coverage for drug and alcohol addiction) must be covered at least to some degree by all insurance providers in the United States.2

In some cases, ConnectiCare may require a referral from your primary care provider before the insurance plan pays for the treatment, depending on the policy you have. In many cases, pre-authorization is not required before entering drug and alcohol treatment programs, but it’s always best to check beforehand so you know what to expect.

ConnectiCare also offers health insurance through Medicare for those who meet the criteria for government-subsidized insurance policies. Drug and alcohol treatment programs are often covered by Medicare as well.


Checking Your Insurance Benefits

Before you decide which rehab center might be best for your needs, it’s important to check your insurance benefits to understand what costs are covered by your insurance provider and which ones you are responsible for. Knowing exactly what ConnectiCare plans cover can give you peace of mind while you or your loved one is in rehab. You can do the work of getting and staying sober without worrying about unexpected costs or financial struggles. For more information on ConnectiCare insurance plans and to check what your plan covers, call +1 (888) 341-7785 , click here, or fill out the form below.


Do Treatment Centers Need to Be In-Network?

In-network providers have a contract with the insurance carrier to offer services at a set price. This means that your out-of-pocket expenses will typically be lower than if you choose an out-of-network facility. In some cases, you may even be responsible for the full cost of rehab if you choose an out-of-network facility.

Whenever possible, try to choose a facility that is in-network with ConnectiCare. If you are unable to find an in-network provider or prefer a facility that is out-of-network, you may be able to work out a payment plan with the facility so you can pay back the cost of treatment over time.


Verify Your Benefits at an American Addiction Centers Facility

The cost of alcohol or drug addiction treatment may appear to be an obstacle, but we are here to help. Insurance may cover all or some of your rehab.

Find out if your insurance covers long-term addiction rehabilitation.

Check Online Now

What Are the Coverage Levels and Plans for ConnectiCare?

Your out-of-pocket costs for drug and alcohol rehab depend on your specific ConnectiCare plan. ConnectiCare insurance coverage falls into 3 categories:2

  • Gold plans: Gold plans have high monthly premiums but offer lower deductibles and copays. Approximately 80% of healthcare costs are covered by ConnectiCare gold plans. These plans are best for individuals who visit the doctor frequently or have high medical needs and/or ongoing medical prescription needs.
  • Silver plans: Silver plans have moderate premiums and costs. ConnectiCare covers approximately 70% of costs with silver plans. Individuals who occasionally use their health insurance/see the doctor and prefer lower deductibles often choose the silver plan.
  • Bronze plans: Bronze plans offer low monthly premiums, but you’ll have higher out-of-pocket costs (e.g., higher copays and higher deductibles). Approximately 60% of medical costs are covered by ConnectiCare for those with bronze plans. Bronze plans are optimal for those in good health who don’t need to see the doctor often and prefer low monthly premiums.

The cost of monthly premiums varies, depending on the tier you choose, your location, and the number of dependents who are covered by the plan.


What Different Types of Addiction Treatment Does ConnectiCare Cover?

Your ConnectiCare insurance plan may cover the following addiction treatment services:3

  • Detox services: In some cases, you may need assistance when detoxing from drugs and alcohol, which can potentially be uncomfortable, painful, or even life threatening. Medical detox helps you safely withdrawal from drugs and alcohol, as you’ll receive around-the-clock medical supervision. You might also be given medications to help minimize withdrawal symptoms.
  • Inpatient or residential care: Inpatient/residential live-in treatment centers provide drug and alcohol rehab while you live onsite at the facility. Most inpatient programs last anywhere from 15–90 days, depending on the program you’re in and your individual needs.
  • Partial hospitalization (PHP): Partial hospitalization programs give you the opportunity to live at home while attending treatment during the day.
  • Intensive outpatient: Intensive outpatient programs involve attending treatment programs a few evenings a week. In an intensive outpatient program, you can live at home and even go to work during the day.
  • Outpatient treatment: Individuals who have completed inpatient treatment often attend outpatient treatment for ongoing support on their journey to sobriety. You live at home and spend 10–12 hours a week at the treatment facility for therapy and support.

Your total out-of-pocket costs for treatment depend on the specific ConnectiCare plan you have. Monthly premiums, copays, deductibles, and other potential costs all vary depending on the plan. But, with ConnectiCare insurance, at least a portion of your costs should be covered under your plan.


What Should I Do if ConnectiCare Won’t Cover the Total Cost of Rehab?

ConnectiCare may cover some, if not all, of your rehab costs, depending on the policy you have. In some cases, your policy may not cover all the expenses related to treatment at drug and alcohol rehab facilities and treatment centers. Speaking with an admissions specialist at the rehab center you are considering will help you get a deeper understanding of what is covered by your policy and what your financial commitment will be.

No matter the cost, it’s important not to let financial concerns hold you back from getting treatment. There are ways to help offset the cost, including payment plans, scholarships, and grants in some cases.

For more information on other ways to pay, visit these web pages:


Knowing what costs your ConnectiCare health insurance plan covers for drug and alcohol addiction services can help you plan for any costs that you will be responsible for while you or your loved one are getting drug or alcohol addiction treatment. Knowing what costs you may be responsible for provides peace of mind, allowing you to focus on what truly matters—getting and staying sober. For more information on what your ConnectiCare insurance plan covers for rehab, call the number on the back of your insurance card or call one of our admissions navigators at +1 (888) 341-7785 . They can answer all of your questions and provide you with the information and support that you need as you pursue treatment.


Sources

  1. Healthmarkets. (2021). ConnectiCare.
  2. Healthcare.gov. (2021). Mental health & substance abuse coverage.
  3. ConnectiCare. (2021). Clinical Information.
  4. ConnectiCare. (2020). 2020 ConnectiCare plans through Access Health CT.

Find a Rehab Center Near You

Related Articles