Connecticare is an insurance provider that offers insurance coverage in several northeastern states, including Massachusetts and Connecticut, and out-of-area coverage in a total of 35 states throughout the United States.
Connecticare insurance plans allow individuals who struggle with substance abuse to get necessary inpatient treatment and outpatient treatment for alcohol and drug abuse.
An individual’s Connecticare insurance plan will determine the extent of coverage and the exact healthcare services covered under the policy. Because each insurance policy is different, it’s important to verify insurance benefits before entering treatment.
ConnectiCare offers levels of insurance coverage, from higher and lower tiers of coverage. Bronze programs have lower monthly premiums and range to gold plans that are higher cost but reduce out-of-pocket expenses for medical treatments.
High out-of-pocket expenses may prevent an individual from seeking necessary drug and alcohol treatment. Understanding ConnectiCare insurance plans and associated benefits can help an individual to decide on necessary healthcare services.
ConnectiCare Coverage For Substance Abuse Treatment
Using Connecticare insurance can greatly reduce the associated costs of treating drug and alcohol abuse. Connecticare covers substance abuse treatment, however, the amount of coverages may vary and restrictions may apply.
Depending on the insurance plan, all or some alcohol and drug treatment costs may be covered. Aftercare and ongoing treatment costs may be covered as an individual continues towards recovery.
Connecticare members will find details of drug and alcohol rehabilitation coverage under the mental and behavioral health section of their insurance policy.
Knowing what types of treatment programs ConnectiCare insurance does or does not cover can be beneficial in deciding what addiction treatment program is best for you. Find the most frequently asked questions about ConnectiCare insurance coverage below.
❓ Does ConnectiCare Cover The Cost Of Inpatient Drug And Alcohol Treatment?
✔️ Inpatient rehab for drug and alcohol treatment is an intensive type of addiction treatment that offers around-the-clock medical care and support to individuals struggling with addiction and co-occurring mental health issues.
Residential treatment facilities provide a safe environment that supports sobriety and allows an individual to separate from triggers and personal ties that may lead to urges to relapse during detox and recovery.
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During residential addiction treatment, patients live at the treatment facility for the duration of their recovery program. Inpatient rehab includes mental health services, support meetings, and medical support.
Most ConnectiCare insurance plans provide coverage for substance use disorder if treatment is deemed medically necessary. Inpatient rehab may be covered by Connecticare insurance, however, the extent of coverage depends on the individual plan.
❓ Does ConnectiCare Cover The Cost Of Outpatient Addiction Treatment?
✔️ Outpatient rehab may be a flexible option for individuals who respond well to treatment while maintaining work and family obligations. Treatment programs are structured so that an individual can return home at the end of the day.
In some cases, outpatient treatment is a better option than a residential treatment program. Outpatient programs often include mental health services, group therapy meetings, and other specialized medical treatments, such as sober living.
ConnectiCare coverage may extend to both inpatient drug rehab and outpatient rehab. With the diagnosis and recommendation from a physician or psychiatrist, Connecticare insurance coverage will assist in covering costs associated with treatment.
❓ Does ConnectiCare Cover The Cost Of Partial Hospitalization Programs (PHP)?
✔️ Partial hospitalization programs (PHP programs) are day programs that offer intensive treatment throughout the week, several hours per day, and for up to several weeks at a recovery center.
These programs are recommended for individuals who may not require intensive inpatient treatment, or for those who are able to step down from inpatient treatment.
Partial hospitalization programs may be covered by ConnectiCare health plans, but an individual’s level of coverage depends on the insurance plan.
❓ Does ConnectiCare Cover The Cost Of Intensive Outpatient Programs (IOP)?
✔️ Intensive outpatient programs (IOP) provide treatment to individuals who no longer require residential treatment or day programs. Treatment may include mental health therapy, counseling sessions, and case management for a few hours a day, for up to a recommended number of weeks.
Intensive outpatient programs are covered by ConnectiCare health insurance plans. As with other forms of treatment, coverage may cover part or all of IOP treatment costs, depending on the insurance plan.
❓ Does ConnectiCare Cover The Cost Of Suboxone?
✔️ Suboxone is a medication used to assist detox and recovery of opioid-addicted individuals. This prescription drug is commonly included as part of a medication-assisted treatment program.
ConnectiCare covers most major prescriptions, but Suboxone may not be fully covered and may come with a copay. It is recommended to speak with a ConnectiCare insurance representative to understand copay costs for this medication.
❓ Does ConnectiCare Cover The Cost Of Methadone?
✔️ Methadone is a form of medication-assisted treatment for opioid use disorder. This medication is highly effective in treating opioid addiction and detoxification when prescribed and closely monitored by a qualified physician.
Many ConnectiCare insurance plans will cover medication-assisted treatments and therapies when a doctor recommends methadone to assist an individual’s recovery process. However, coverage amount and associated copays depend on the individual insurance plan.
Finding Rehab Centers That Accept ConnectiCare Insurance
The best way to locate drug and alcohol rehab centers that accept ConnectiCare is to view the insurer’s website or speak with an addiction treatment specialist.
Other ways of locating rehab centers that accept ConnectiCare:
Contact one of our treatment specialists who can answer questions about ConnectiCare insurance benefits and our available addiction treatments and programs. A treatment specialist will perform a verification of insurance benefits on your behalf.
Contact the ConnectiCare insurance company using the phone number on the back of your insurance card.
Do Rehab Centers Have To Be In-Network To Accept ConnectiCare?
ConnectiCare sets coverage limitations for in-network and out-of-network providers. In-network providers have agreed to terms and pricing with ConnectiCare, while out-of-network providers lack a pricing agreement.
Out-of-network treatment centers may lead to higher costs for an individual seeking substance abuse treatment. Insurance coverage may be limited or lacking entirely. Policyholders should review their individual plan with ConnectiCare to verify what in-network and out-of-network coverage is associated with their personal policy.
Seeking Addiction Treatment Using Your ConnectiCare Plan
Addiction treatment includes a variety of medical and supportive health services on an inpatient and outpatient basis, as well as medication-assisted therapies. When deciding on addiction treatment options, researching rehab programs and understanding insurance coverage is often the first step.
Reviewing your insurance policy, benefits, and coverage will assist in finding the right treatment provider and getting necessary addiction treatment services.
Further, visiting ConnectiCare’s website for insurance benefit details, or speaking directly with ConnectiCare insurance through their customer care line is recommended.
If you or a loved one are considering substance abuse treatment and have questions about your personal insurance coverage through ConnectiCare, contact our addiction treatment helpline today for assistance.
Published on December 22, 2020
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- Connecticare — Individuals and families
- National Institute on Drug Abuse (NIDA) — Types of Treatment Programs