Bright Health Insurance Coverage for Drug and Alcohol Rehab
Bright Health Insurance Coverage for Drug and Alcohol Rehab
Bright Health plans were specifically designed to be “easy-to-choose, easy-to-use, and easy-to-understand”. Bright Health specifically utilizes smart tools and technology to simplify health insurance. Offered in over 13 states, Bright Health offers health benefits for premier addiction treatment in North Carolina. Bright Health has collaborated with their very own Care Partners – a curated network of doctors, clinics, and hospitals to provide quality healthcare at the best possible rate for all of your addiction treatment needs.
At Carolina Center for Recovery, we understand that the cost of rehab is a major roadblock that prevents many people from seeking the care that they need. That is why we’re proud to announce that our treatment programs are in-network with Bright Health Plans.
Bright Health Addiction Resources
Health insurance used to be considered a luxury. Many Americans with low-paying jobs and tight budgets did not have the money to spend on an expensive health insurance plan. Furthermore, many individuals struggling with addiction and mental health disorders were left without the resources to properly treat their disorders.
The Affordable Care Act (ACA), also known as Obamacare – Essential Health Benefits (EHB) was created to ensure that each and every individual health insurance market has access to comprehensive coverage that covers services they may need. Mental health and substance use disorder services, including behavioral health treatment, are covered under Essential Health Benefits. Almost all Bright Health plans cover the vast majority – or all – of your drug and alcohol rehab expenses.
Substance abuse treatment services in North Carolina included in Bright Health policies often consist of:
- Inpatient hospital detoxification
- Outpatient detoxification
- Inpatient substance abuse rehabilitation
- Outpatient substance abuse rehabilitation
Some policies may require pre-authorization depending on the services provided and whether the program is in-network or out-of-network.
In-Network Vs. Out-of-Network Addiction Treatment with Bright Health Plans
Many people ask “what is a network anyway?” Your network is the group of care providers that are covered under your Bright Health plan. These are the specific people, places, and addiction treatment services that offer Bright Health plan members competitive rates.
Not all treatment centers are required to be in-network. However, plans that are out-of-network will require steep or full out of pocket expenses to attend a specific addiction treatment center. Out-of-network facilities are not covered under your Bright Health plan and will likely cost you more, and may even not be covered by your plan. As a result, it is always important to verify your insurance coverage with the substance abuse rehabilitation you are considering before committing to their specific program.
Understanding Bright Health Coverage for Addiction Treatment
HealthCare.gov expands on the 10 essential health requirements of plans participating in the insurance marketplace. One of these essential health categories includes addiction care. Many private health insurance companies also follow these rules so they are eligible to be sold in the marketplace as well. Many insurance policies do not separate drug addictions into “covered” and “non-covered” categories. In other words, if inpatient addiction treatment is covered, then care is often provided regardless of what specific type of addiction the policyholder is struggling with. This model mimics the same type of coverage offered for other medical conditions.
For example, some people develop diabetes due to poor eating habits, while others are born with the disorder due to abnormalities. Health insurance plans that provide treatment services for diabetes do not cover one type of service for those who were born with these issues while eliminating self-induced issues.
Attempting to separate and categorize each addiction into different levels would require the plans to be much more expensive as underwriters would have to dive deep into the medical history of each client. Health insurance companies do not want to cover in-depth testing and interviews about what drugs were used, how the addiction began, and what they are mixed with to determine eligibility for inpatient addiction treatment. Bright Health keeps things simple by covering all types of addictions.
Using Bright Health Plans to Cover the Cost of Rehab in Charlotte, North Carolina
Thanks to changes from the Affordable Care Act, payment plans, and advancements in science shifting how society views addiction, there are a variety of ways to receive addiction treatment in Charlotte, North Carolina. Health insurance was created to make healthcare affordable and accessible to all individuals in order to relinquish the stigma attached to asking for help. Many insurers understand addiction is a treatable condition and take responsibility for covering the cost of addiction treatment.
Money plays a major role in deciding which treatment facility is right for you. It is important that when choosing an addiction treatment center you consider the financial ramifications as well as whether your insurance will cover the cost of drug and alcohol rehab. Here are a few questions to consider when calling your insurance company to verify what coverage your specific plan offers:
- Do you cover medically-supervised detox? If so, to what extent – inpatient or outpatient?
- Do you cover outpatient and inpatient addiction treatment?
- Is there a co-pay?
- Do you cover prescription medications for the treatment of substance abuse?
- How many days of treatment are covered?
- Do you cover specialty programs?
These are suggestions of initial questions you can ask your insurance when deciding which rehab is best for you.
Get Started on the Road to Recovery Today
Dealing with insurance and paying for rehab is an overwhelming and confusing process. That’s why our dedicated team of professionals at Carolina Center for Recovery is here to help you every step of the way, from verifying your benefits all the way to creating your aftercare plan. Our team will customize your treatment plan with your insurance coverage in mind. If you or someone you love is struggling with addiction, call our admissions team today!
Medically Reviewed: September 23, 2020
All of the information on this page has been reviewed and verified by a certified addiction professional.