Over 20 million Americans are battling addiction, and only 11% of people with substance use disorders have received the treatment they need.
One of the many barriers to getting addiction care is affordability. Insurance companies such as Cambia Health Solutions offer an array of plans that put drug and alcohol rehab services within reach.
Does Cambia Health Solutions Cover Rehab?
Cambia Health Solutions is a nonprofit insurance company that was known as The Regence Group until 2013.
This company currently operates in Oregon, Washington, Idaho, and Utah, and is a member of the Blue Cross Blue Shield Association.
Since the Affordable Care Act (ACA) was signed into law in 2010, all insurance companies on the healthcare exchange have been required to offer some level of coverage for behavioral health treatment.
People who have coverage through Cambia Health Solutions will be able to get addiction treatment at varying costs depending on the co-pays, deductibles, and other variables outlined in their plans.
Get Started On The Road To Recovery.
Get Confidential Help 24/7. Call Today!(844) 616-3400
Substance Abuse Treatment Services Covered By Cambia Health Solutions
Substance abuse treatment may include multiple levels of care as well as evidence-based or holistic treatment plans. Cambia covers a wide range of treatment services for people facing substance abuse.
|Treatment Type||Covered||Not Covered|
|Partial Hospitalization Program||✔️|
|Intensive Outpatient Program||✔️|
|Dual Diagnosis Treatment||✔️|
Cambia Health Solutions Coverage By Treatment Type
Below are some of the addiction treatments covered by Cambia Health Solutions.
Cambia Health Solutions Plan Types
Cambia Health Solutions policyholders will be able to get most of their substance use disorder treatment costs covered, regardless of the type of plan they have.
Some plans at Cambia offer more coverage but will also cost more in monthly premiums. Below are the tiers of coverage offered through Cambia Health Solutions.
Insurance tiers at Cambia Health Solutions are:
- Bronze Plans — cover up to 60% of the cost of care and will have lower monthly premiums, but will also have higher deductibles and co-payments
- Silver Plans — cover up to 70% of the cost of care with moderately priced premiums and deductibles
- Gold Plans — cover up to 80% of medical costs and will have the lowest deductible of all the tiers, but will also feature the highest monthly premiums
All Cambia plans will typically not pay for rehab facilities that are out-of-network. They will also not require clients to get pre-authorizations for in-network behavioral health services.
Bronze and Silver plans are eligible for health savings accounts (HSAs), which allow members to set aside money to pay for medical costs not covered by their health insurance plan.
The Gold plan is not eligible for an HSA as it is not considered a high-deductible plan.
How To Use Cambia Health Solutions Coverage For Substance Abuse Treatment
To sign up for Cambia Health Solutions, you must first live in one of the four states where the insurance is available.
Once enrolled in a plan that suits their needs, clients can talk to a representative at Cambia Health Solutions to find an in-network addiction treatment provider.
In-network facilities will be far less expensive because they have negotiated lower pricing for addiction care, whereas out-of-network facilities may not be covered at all by Cambia Health Solutions.
Once a rehab center is selected, contact the facility to ensure that they accept Cambia health plans and that there’s an open spot available for the person seeking treatment.
Cambia Health Solutions Co-Pays And Deductibles For Addiction Treatment
The co-payments and deductibles for drug and alcohol treatment will differ depending on the level of coverage a policyholder has.
For example, people with a Gold-tier insurance plan through Cambia Health Solutions will have much smaller co-payments than a person with a Bronze plan.
Similarly, deductibles will be much higher for a person with a Silver-tier plan than if they had opted for the Gold plan, which features lower deductibles.
The cost of co-pays and deductibles will also be affected if a policyholder attempts to enroll at an out-of-network drug rehab facility. In most instances, out-of-network care will not be covered.
What Addictions Does Cambia Health Solutions Cover?
People may also be able to receive coverage for gambling addiction and other behavioral health issues, depending on the details of their health plan and the rehab facility they plan to attend.
What If My Insurance Plan Doesn’t Cover The Treatment Program I Need?
In the event that your insurance plan does not cover the addiction treatment program you need, there are a range of other payment options that may cover the cost of care.
Other payment options may include:
- government grants — such as the Substance Use Prevention, Treatment, and Recovery Services Block Grant for people with limited financial resources to get the care they need
- payment plans — that will allow people to pay for their treatment over time
- sliding fee scale — adjusts the cost of treatment based on the client’s income and family size
- self-pay — using cash or credit card
- scholarships for addiction treatment — available at many private rehab facilities to help people who can’t otherwise afford treatment
You may also be eligible for state Medicaid insurance. Rehab programs that accept Medicaid can usually provide care at little or no out-of-pocket cost.
Finding A Rehab Center That Accepts Cambia Health Solutions
To find a rehabilitation center that accepts Cambia Health Solutions insurance plans, policyholders can call a Cambia representative to discuss nearby treatment providers.
Members can also talk to their primary care physician and ask for a referral to a reputable drug and alcohol rehab program.
The Substance Abuse and Mental Health Services Administration (SAMHSA) also provides a nationwide database of rehab centers. People can use the search tool to find a recovery program in their area.
Find Substance Abuse Treatment Today
You or your loved one can take the first step in the journey to sobriety today. Contact AddictionResource.net for more information.
Updated on November 2, 2023
Addiction Resource aims to provide only the most current, accurate information in regards to addiction and addiction treatment, which means we only reference the most credible sources available.
These include peer-reviewed journals, government entities and academic institutions, and leaders in addiction healthcare and advocacy. Learn more about how we safeguard our content by viewing our editorial policy.
- Cambia Health Solutions — How Cambia’s Behavioral Health Partners Are Combating the Mental Health Crisis in Rural America
- Cambia Health Solutions — Our Solutions
- Substance Abuse and Mental Health Services Administration (SAMHSA) — Find Treatment