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Does My Insurance Cover Treatment for My Addiction or Mental Health Disorder?

Dr. Jeffrey Berman, MD By September 23, 2019
levels of care Monmouth county addiction treatment

Believe it or not, many people throughout the United States are currently living with mental health disorders and substance use problems. It’s not always easy for individuals to pinpoint these challenges in their lives and, sometimes, co-occurring disorders go unnoticed.

Not only do people sometimes misunderstand what is happening in their own lives, but many medical professionals are uncertain about how to treat cases of dual diagnosis.

The truth of the matter is that those who are suffering from addiction and other mental health disorders should receive help from dual diagnosis programs rather than treatment that only tends to the physical needs of those in recovery from addiction. 

Often, those who are in need of help in overcoming addiction get treatment that focuses only on their need to end substance abuse. But, it’s important to consider just how much a dual diagnosis program can help. And, even more importantly, it’s best to enroll in one if you are suffering from mental health challenges as well as substance abuse.

Still, you may feel a little uncertain about getting professional help to deal with the effects of your co-occurring disorders. Perhaps one of your main concerns is money. If this is the case, rest assured that your health insurance plan may just be able to help take that burden off your mind so that you can focus on becoming emotionally, physically, and mentally well!

Using Insurance to Cover Treatment for Mental Health and Addiction

In many cases, people steer clear of professional and medical treatment for fear that they may not be able to afford the care and treatment they need. This, unfortunately, is a common concern in our world today. But, thankfully, many individuals have been able to get the clinical attention they need with the help of insurance companies.

If you have a plan with an insurance company such as Aetna or United Healthcare, it’s likely that you will be able to receive coverage for both your mental health and addiction care. Many addiction treatment centers, including ours here at Discovery Institute of New Jersey, work with insurance companies to provide people with the resources they need in order to address the needs they have. 

Here at Discovery Institute, we understand that many of our clients are facing the negative effects of addiction in addition to the impact of a mental health disorder. Unfortunately, it’s not uncommon for individuals to suffer from alcoholism or drug abuse in combination with depression, anxiety, post-traumatic stress disorder, or another mental health disorder.

Fortunately, however, our rehab facility focuses on meeting the needs of those who are struggling with these co-occurring disorders. We understand that our clients may need mental, emotional, and physical support as they pursue recovery. So, we offer these through our dual diagnosis program.

Discovery Institute is proud to work with many insurance companies in order to offer people the opportunity to receive treatment without having to be concerned about the cost. 

Using Your Insurance for Addiction Treatment

Again, a number of insurance providers partner with us to make sure our plan-holding clients receive the help they need as they work toward a life that is free from addiction. Some of those providers include the following:

Blue Cross Blue Shield 

Also known as BCBS, Blue Cross Blue Shield is one of the most established and well-known insurance providers. Since 1929, this insurance provider has been helping individuals to pay for healthcare. In fact, over 107 million people are receiving coverage from BCBS. The company serves all of 50 of the United States of America.

Depending on the kind of plan you hold with Blue Cross Blue Shield, you may receive between 60% and 90% coverage for your addiction rehab costs. Types of BCBS plans include bronze, gold, silver, and platinum. Discovery Institute works with those who hold a Blue Cross Blue Shield insurance plan. Our team can help you to sort through the details of your policy and treatment process!

Aetna

Founded in 1853, Aetna has been offering services to individuals, families, and businesses for many years. This insurance company provides coverage for various services that are related to addiction treatment. These services include inpatient rehab, outpatient rehab, detoxification (detox), intensive outpatient programs (IOPs), and partial hospitalization programs (PHPs).

Depending on the type of plan you have through Aetna, you may receive coverage for rehab services at an in-network facility. But, you might not be able to get coverage for out-of-network services. Thankfully, Discovery Institute works with those who hold an Aetna insurance plan and our team can help you to navigate through the particulars of your policy and treatment process!

EmblemHealth

This insurance company has been serving individuals since the 1930s. They offer coverage to plan holders who need treatment for addiction. Also, they can help to provide the financial assistance these individuals need. Those who are suffering from drug abuse or alcoholism can likely receive coverage for outpatient treatment from in-network providers.

EmblemHealth also provides resources for those who are living with a mental health disorder. So, people who have co-occurring disorders can get the help they need if they have an insurance plan with EmblemHealth! Discovery Institute works with those who hold an insurance plan with EmblemHealth. We can help you to navigate through the particulars of your policy and treatment process!

UnitedHealthcare

Also known as UHC, UnitedHealthcare is one of the largest US health insurance providers. It provides healthcare coverage to many people. UHC often covers addiction rehab-related services. Some of the services that are covered by this insurance company include inpatient treatment, outpatient treatment, and inpatient and outpatient detox.

This insurance provider offers various plans, including Bronze Copay 50, Silver Copay 70, and Platinum Copay 80. The amount of coverage you receive from UnitedHealthcare depends mainly on the type of plan you hold with them. Discovery Institute works with those who hold an insurance plan with UnitedHealthcare. Our professional team can help you to navigate through the particulars of your policy and treatment process!

Oxford Healthcare

This insurance provider is actually a division of UnitedHealthcare. Oxford Healthcare serves New York, Connecticut, and New Jersey. Individuals who have an insurance plan through Oxford can receive coverage for addiction treatment. Those who are dealing with an alcohol or drug use problem can go through professional detox and rehab programs with help from their Oxford Healthcare plan.

Oxford also offers benefits for behavioral health needs. So those who need mental health resources may be able to get what they need through their insurance benefits! Discovery Institute works with those who hold an Oxford Healthcare plan. We can help you to navigate through the particulars of your policy and treatment process.

Dual Diagnosis: Using Insurance for Mental Health Treatment

Individuals who are struggling with alcohol or drug addictions often have several underlying causes of those problems. In other words, an addiction usually forms as a result of something else. So, those who are dealing with an opiate abuse problem, for instance, are likely dealing with this issue because of something else that is going on in his or her life.

Often, people become dependent on drugs or alcohol as a result of over issues, such as trauma or depression. For example, an individual who suffered from a traumatic experience in his or her childhood may eventually turn to alcohol in order to find comfort or an escape. A person who is suffering from a major depressive disorder may resort to cocaine or heroin use in order to quiet the negative emotions he or she feels. 

There are also cases in which a substance abuse problem actually causes a mood or behavioral disorder to develop. In any case, however, treating one problem without addressing the other is rarely helpful or effective. Treatment programs should address addiction as well as its underlying causes. This enables people to not only get help for the surface level issues, but also for the issues that are beneath the surface. As a result, people can end the cycles of addiction in their lives.

Using your insurance for dual diagnosis treatment can be quite beneficial. A dual diagnosis program can help you in the long run as it will lower your chances of relapse!

Allow Discovery Institute of New Jersey to Help You!

If you have been suffering from the negative effects of alcohol abuse or drug dependence, know that you do not have to fight these issues on your own. Here at Discovery Institute, our team is committed to your overall health and will stop at nothing to make sure you find your way to total freedom from substance abuse. 

Addiction is powerful. But you have the ability to overcome this problem and our mission is to stand with you as you pursue a new and healthier way of life, addiction-free! We understand that your journey is unique; your story is unlike anyone else’s. You have individual needs that must be addressed in order for you to successfully end drug or alcohol use. 

This is why we work with you to determine the best treatment approach for you. This may include a dual diagnosis program if you are dealing with a mental health disorder along with addiction. 

References:

You are not beyond help. You are not alone in your struggle. And, soon, you will stand among those who have overcome substance abuse! Allow us to work with you to achieve that goal. Just contact us here at Discovery Institute today by calling (844) 433-1101.

References:

https://www.bcbs.com/

https://www.aetna.com

https://www.emblemhealth.com/

https://www.uhc.com/

https://oxhp-facility.uhc.com/

Article Reviewed by Dr. Jeffrey Berman, MD

Dr. Jeffrey Berman, MDDr. Jeffrey Berman is a psychiatrist in Teaneck, New Jersey and is affiliated with Robert Wood Johnson University Hospital. He received his medical degree from State University of New York Upstate Medical University and has been in practice for more than 20 years. He also speaks multiple languages, including French and Hebrew.

Insurance may cover up to 100% of your treatment

Discovery Institute works in partnership with most of the leading insurance providers in the country. Depending on your coverage, your stay with us may be covered by your policy’s benefits. Speak to one of our admissions coordinators today to receive a free assessment of benefits.

(844) 433-1101


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