Healthsmart Insurance Coverage for Drug and Alcohol Treatment

HealthSmart drug and alcohol rehab treatment center coverage can help make finding treatment easy.

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

It is virtually impossible to get healed from a substance abuse disorder without professional help. The government has recognized this, and has passed a law for health insurance companies to cover substance abuse treatment in the same way as what they would cover mental health treatment. Which is why, if you have Healthsmart Insurance, it is likely that you will receive some sort of coverage for your treatment.

If you are ready to find out more about enrolling into a substance abuse treatment center then call (866) 578-7471. We have people waiting by the phones to answer all of your rehab and detox questions.

Healthsmart Insurance Coverage for Alcohol and Drug Abuse

The journey towards sobriety always starts with a period of detox. This should, if possible, be medically supervised, so that you can safely manage the withdrawal symptoms that you are likely to experience. Healthsmart may cover part of your detox period, although exactly what they will cover will depend on your type of coverage. It is also possible that you will only be covered if you are referred by your primary clinic first. Additionally, some of the Healthsmart plans only cover detox for specific types of substance, such as alcohol or prescription painkillers.

In terms of your rehab treatment, Healthsmart is likely to cover you in the same way as they do mental health treatment, as required by the law. However, not every length of treatment is covered, nor every type of therapy. Again, you are likely to require a referral from your primary physician if you want Healthsmart to help pay for the cost of rehab.

How Long Will Healthsmart Insurance Cover Alcohol and Drug Abuse Treatment?

If you currently have an addiction or dependency to drugs and/or alcohol, or have a loved one who does, then it is important that you learn to understand exactly what Healthsmart will cover you for, so you can see what your options are. You can do that in a variety of different ways, including:

  • Checking your policy documents. Do make sure that you request a copy of your policy should you no longer have it.
  • Checking the Healthsmart website
  • Contacting Healthsmart and asking them directly
  • Asking a rehab facility to perform an insurance check for you

Some people are wary about the latter two options, because it means directly admitting that you need help. However, these conversations are discreet and 100 percent confidential. Furthermore, they are free and have no obligation, and they will not affect the premiums that you pay for your insurance.

It is an important conversation to have, because there are many restrictions on how long you can stay in rehab. In general, this relates directly to how bad your addiction is. This is why Healthsmart will generally require a referral from your primary physician, who can determine how severe your problem is.

Healthsmart Insurance Coverage for Specialty Alcohol and Drug Rehab

It is possible that your Healthsmart plan will give you cover for specialty treatment. This includes private, luxury and executive facilities. Sometimes, you may be covered to go to one of the most upmarket treatment facilities. At other times, you could use your plan to pay for specific advanced treatment options, including therapy designed to treat not just your addiction, but also any mental health issues that you may have.

Specialty treatment centers usually have a number of luxury amenities, including:

  • Faith based counseling
  • Meditation rooms
  • Private bedrooms
  • Swimming pools
  • Exercise rooms

Healthsmart Insurance Coverage for Inpatient and Outpatient Drug and Alcohol Treatment

When you want to go to rehab, you will instantly see that there are two main options available to you:

  • Inpatient rehab, or residential rehab, where you will remain within a facility 24/7, receiving round the clock care, for the duration of your treatment.
  • Outpatient rehab, where you will attend rehab sessions at regular times, often every day, but can return to your own home outside of that.

Healthsmart insurance may cover both inpatient and outpatient treatment, so it is important that you base your decision on what is your actual need. In fact, that is perhaps one of the most important decisions you will ever make. Outpatient treatment is highly convenient, as well as being much cheaper. However, it also means that you will stay in the same environment where you have been exposed to the triggers and enablers that possibly resulted in your addiction. In essence, outpatient treatment is only recommended for those who have mild addictions. If you have a moderate to severe addiction, or if you have relapsed in the past, it is unlikely that you will be able to find help simply through outpatient treatment.

Paying for Your Out of Pocket Expenses

By speaking to Healthsmart, or asking a rehab facility to do it for you, you will know exactly what the company will cover, and hence also what your personal out of pocket expenses are going to be. Unfortunately, it is likely that you will have some out of pocket expenses, and these can actually be quite high. These could be so high, in fact, that the National Institute on Drug Abuse has cited it as the main reason why there is such a gap between the number of people who need treatment, and the number of people who actually get it.

Luckily, there are other options available to you, and you need to explore these. While the cost of treatment can be significantly high, the cost of not getting treatment is likely to be far higher. Not only is there a serious financial toll associated with purchasing your substance of choice, there are also non-financial consequences such as loss of social status, loss of friends and family, and even loss of life that you have to factor in. Some of the options available to you to pay for your out of pocket expenses are:

  • Requesting sponsorship from your rehab facility
  • Applying through grants through the Substance Abuse and Mental Health Services Administration, faith based organizations, or other nonprofit groups
  • Applying for a loan, with specific treatment loans existing
  • Enrolling in a payment plan with the treatment center
  • Selling some of your assets
  • Borrowing from friends and relatives

Help is available if you are ready to make necessary changes to save your life.