In 2012, more than 23 million people were in need of addiction treatment, yet only 2.5 million would receive care. The gap between those who need treatment for addiction and those who enroll at a rehab center closes when more people have insurance coverage for treatment.
Addiction treatment can be very expensive without insurance. Because of this, the Mental Health Parity and Addiction Equity Act requires most insurance plans to include substance use disorder benefits.
Now, more people have access to insurance coverage for substance abuse treatment, including through insurance companies like Centene.
Understanding the options for paying for addiction treatment with a Centene insurance plan is a significant step in the right direction towards seeking effective treatment for drug or alcohol abuse.
Does Centene Cover Addiction Treatment?
Centene has been providing health insurance coverage to individuals and their families since 1984. Currently, Centene is the largest Medicaid Managed Care Organization in the U.S.
It boasts a large network of medical care providers and facilities which provide access to quality care options for all of their policyholders.
The good news for Centene policyholders who are seeking professional treatment for substance abuse is that addiction recovery services are covered by Centene insurance plans. This is part of their comprehensive approach to providing access to holistic care for policyholders.
Centene offers various levels of insurance plans. The lowest level is silver. While this plan is the least expensive, it offers the least amount of coverage.
Platinum is the most premium plan that Centene offers. Individuals can choose the Centene insurance plan that works best for them based on how much they are able to pay out-of-pocket for healthcare expenses.
How To Use Your Centene Plan For Addiction Treatment
For those seeking treatment for drug or alcohol abuse, figuring out how to pay for rehab with Centene is a top priority. Fortunately, Centene insurance plans cover both inpatient and outpatient addiction treatment for policyholders.
Addiction Treatment Services Covered By Centene
In addition, Centene insurance plans also cover expenses for any prescription medications required for treatment as well as drug and alcohol counseling services.
Individuals who are recommended for transitional living homes after completing an initial rehab program may have coverage for the cost of staying at the facilities through their Centene insurance plan.
However, the coverage and financial assistance from Centene insurance plans are not the same for every insured individual.
The options for paying for addiction treatment with Centene vary according to a number of factors.
- individual plan
- coverage limits
- type of treatment received
- duration of treatment
- whether the provider is in-network or out-of-network
Requirements Before Paying For Rehab With Centene
Before signing into a rehab facility for addiction treatment, a policyholder should find out if they need a referral from a medical professional to qualify for coverage under their Centene insurance plan.
Once a referral is obtained, policyholders should check to make sure the rehab facility or provider is covered within the Centene network of medical professionals and rehab centers.
In-Network Vs. Out-Of-Network Care With Centene
The cost of services from providers and facilities within the Centene network is typically much lower than with out-of-network providers and facilities. An addiction treatment specialist can supply a list of in-network rehab centers to help with paying for addiction treatment with Centene insurance.
Along with finding insurance coverage for recovery, the individual seeking addiction treatment must also ensure that they have access to the appropriate rehab services for their needs.
This might mean attending an out-of-network rehab center and finding additional ways to pay for the portion of the addiction treatment that is not covered by Centene. One of the most popular ways to do this is by accessing any funds available in a health savings account (HSA).
Before doing so, the policyholder should have a clear understanding of what benefits are available for attending an out-of-network rehab center. This way, they are not burdened with an expensive and unexpected bill after completing a rehab program.
List Of Centene Plans By State
Centene provides health insurance coverage to individuals in 32 states. This includes about 15 million people. The insurance company practices a localized approach to partnering with healthcare institutions.
The coverage and plan options from Centene vary by state, which is why each policyholder needs to pay special attention to the specific details of their Centene insurance plan.
Centene serves individuals with quality health insurance plans in the following states:
- New Hampshire
- New Mexico
- New York
- South Carolina
Finding A Rehab Center That Accepts Centene
Contact our team of addiction treatment specialists today for help with finding a list of rehab centers that accept Centene insurance and meet your recovery needs.
It is important to ensure a way to pay for substance abuse treatment by first identifying rehab centers that accept your Centene insurance plan. Our team is available to assist you in finding the appropriate treatment options for recovering from addiction.
Published on October 25, 2019
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.
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- Centene — Health Insurance Plans
- Substance Abuse and Mental Health Services Administration — Addiction Treatment Statistics, Substance Use Disorder Benefits
- U.S. Department of Health & Human Services — Mental Health Parity and Addiction Equity Act