Guide to Community Health Choice Insurance Coverage for Addiction Treatment

Last Edited: December 29, 2023

Author
Matt Esaena
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Clinically Reviewed
Mark Frey, LPCC, LICDC, NCC
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All of the information on this page has been reviewed and certified by an addiction professional.

Addiction Treatment Coverage Including; Detox, Rehab & Outpatient.

Click Here for a confidential benefits check or call (866) 578-7471 to speak to a addiction specialist.

The most recent National Survey on Drug Use and Health, published in 2009 by the National Institute on Drug Abuse, stated that around 23.5 million people in this country aged 12 or over require substance use treatment. This means that there is a chance that you or your loved one might need this kind of treatment. Don’t let this alarm you because, help is out there. Thanks to the Affordable Care Act, insurance companies now have to cover substance abuse treatment in the same way as what they treat mental health disorders. If you are covered under Community Health Choice Insurance Coverage you should be able to significantly reduce your out of pocket expenses.

Community Health Choice Insurance Coverage for Detox

Any substance abuse treatment program starts with a period of detox. You will be happy to know that Community Health Choice Insurance covers detox, as they class these services as urgently requiring treatment. Exactly what they will cover for you will depend on your personal coverage package. It is important to note that some of the services usually covered by the insurance company include hospital treatment, general medical care, outpatient services, and residential services.

Community Health Choice Insurance Coverage for Rehab

Once you have detoxed from the substance you have abused, the real treatment has to begin. This is known as rehabilitation, or “rehab”. Community Health Choice Insurance offers coverage for rehab as well. If you currently struggle from a substance abuse problem, or your child does, or if either of you has any mental illness that is significantly reducing your quality of life, you can contact APS. APS is the branch of Community Health Choice Insurance that deals with drug and alcohol abuse and mental health treatment options. You will not need to be referred to access these services, and they can provide you with urgent care and immediate needs care as well. As part of this program, you should also be covered by Medicaid. As a result, both your care and your prescriptions should be covered.

How Long Can You Receive Treatment through Community Health Choice Insurance?

Community Health Choice Insurance generally covers all the services deemed necessary. As a rule of thumb, if Medicaid covers them, then Community Health Choice Insurance will as well. If the treatment program you want to go to accepts Medicaid for a specific length of time, then you personal insurance will likely do the same. However, should the service not be covered by Medicaid, then it is unlikely that Community Health Choice Insurance will cover you either. Regardless of which treatment center you want to attend, all your information will be 100 percent confidential, and you can contact them without obligation. Feel free to contact different rehab facilities that you are interested in to find out what sort of coverage they accept, and whether that is tied to a specific length of time. It is common to find that pre-approval is required for rehab facilities, but they will be able to inform you about that as well.

Community Health Choice Insurance and Specialty Treatment

Community Health Choice Insurance follows the guidelines applied by Medicaid. This is because the insurance company offers a health care program that is stated funded. If you want to go to a luxury or executive rehab facility, or if you want to attend a rehab center that has exclusive amenities, it is unlikely that you will be covered for that treatment. The exception is if you can find such a facility that accepts Medicaid as standard. It is very rare to find a rehab facility with executive amenities that accept Medicaid, but some do accept it as partial coverage for their treatment. If you have the financial capabilities of doing so, you could choose to have the cost covered at least partially by your insurance provider.

Community Health Choice Insurance Coverage and Inpatient and Outpatient Treatment

According to the Community Health Choice Insurance website, the service that they will cover will depend on the individual patient and on the program they feel is best for them. This basically means that they will cover you for both inpatient and outpatient rehab facilities. The key is that the facility must accept Medicaid in order for you to be covered as well. Generally speaking, inpatient rehab is a lot more expensive than an outpatient treatment facility. Therefore, it is likely that you will not be able to stay in residential treatment as long as you would in an outpatient facility.

How to Pay for What Your Community Health Choice Insurance Doesn’t Cover

It is possible that your insurance plan does not cover all of your treatment- other options exist for you. Treatment facilities know that you are likely to be in a difficult financial position, and they have solutions in place to make sure finance is not a barrier to you changing your life for the better. Most will be able to signpost you towards any grants that you could apply for, have information on outside financing options, and even offer their own payment plans.

If you or someone you care about is currently suffering from a substance abuse disorder, be that alcohol, prescription drugs, or an illicit street drug, then help is out there, particularly if you are covered under Community Health Choice Insurance. To find out exactly what they do and do not cover, and how long for, you should check the insurance documents provided to you when you first started your plan. You can also contact the insurance provider directly and they will be able to run you through it.

Rehab facilities also understand that finances are a significant barrier towards people getting the help they need. This is why they will generally be more than happy to perform an insurance check for you, so that you know exactly what you are covered for. Take advantage of those conversations, which are free and no obligation, so that you can build your knowledge on what will happen during treatment. By calling (866) 578-7471 you can determine what your insurance plan covers to make a decision on how you will proceed with your rehabilitation.