It was not always the case that substance abuse treatment was covered by health insurance plans. The good news for those seeking addiction treatment is that many private insurance companies, including Coventry, now cover the cost associated with substance abuse treatment programs.
The cost of a rehab program does not need to prevent someone from seeking out the appropriate recovery program for addressing their substance abuse issues.
Before enrolling in a rehab program, it is important to arrange for insurance coverage of the cost of your addiction treatment so that you are not responsible for paying all of the bills out of your own pocket.
Knowing what your specific addiction treatment needs are and lining up how to use your Coventry Health Care plan to pay for drug rehab will put you on a proactive path towards recovery.
Find out more information about paying for addiction treatment with Coventry and rehab centers that accept Coventry Health Care insurance.
Coventry Health Care Coverage For Addiction Treatment
Coventry Health Care is affiliated with Aetna and provides access to healthcare for policyholders through an extensive network of treatment providers and facilities.
They offer a range of insurance plans for individuals and families, including coverage for substance abuse treatment, through its CoventryOne brands, HealthAmericaOne, and AltiusOne.
Coventry Health Care partners with MHNet Behavioral Health, which pioneered The Total Behavioral Solution to address the overall well-being of its members.
In addition, Coventry Group Plans are available to groups of employees through Coventry Employer-Sponsored Plans. Coventry Health Care also provides Medicare coverage.
Its association with MHNet Behavioral Health means that individuals may seek treatment for all issues associated with their substance abuse, including any related mental health needs.
There may be additional resources to cover any remaining costs of substance abuse treatment that are not paid for by Coventry Health Care insurance. Individuals may be able to rely on their health savings accounts (HSA) to cover the copay for addiction treatment.
Does Coventry Health Care Cover The Cost Of Inpatient Drug And Alcohol Treatment?
Coventry Health Care policies may cover the cost of inpatient drug and alcohol treatment, depending on your individual policy, which varies by state.
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In general, residential treatment costs are covered by Coventry Health Care plans. However, the amount you’ll pay out-of-pocket for your stay, how much your Coventry insurance plan will pay per day toward your rehab program, and any additional costs (such as medication) will largely depend on your plan.
Does Coventry Health Care Cover The Cost Of Outpatient Addiction Treatment?
Outpatient treatment for addiction is generally covered by Coventry. Restrictions may apply depending on the outpatient rehab program you choose and your coverage tier.
Does Coventry Health Care Cover The Cost Of Partial Hospitalization Programs?
The cost of partial hospitalization programs (PHP) may be covered by Coventry Health Care insurance if the programs meet eligibility requirements. This could mean programs which meet for a certain number of days for a minimum number of hours per week.
Most health plans also require that policyholders show medical need and get prior authorization before entering a rehab program.
Does Coventry Health Care Cover The Cost Of Intensive Outpatient Programs?
Depending on your policy, intensive outpatient programs may be covered by Coventry Health Care. This form of treatment does not require medical supervision.
As with PHPs, Coventry policyholders may have to submit proof of medical necessity before getting treatment in an intensive outpatient program.
Does Coventry Health Care Cover The Cost Of Suboxone?
Prescription coverage varies by your insurance plan, but the full or partial cost of Suboxone may be covered by Coventry Health Care plans. How much is covered may depend on whether the prescription you choose is a preferred prescription and where you buy it, such as through a preferred retailer.
Does Coventry Health Care Cover The Cost Of Methadone?
Methadone costs may also be covered by Coventry insurance, but coverage may be different for each form of the prescription. Different forms of methadone include a daily pill and a monthly injection, and the costs can be determined differently for each medication-assisted treatment program that uses methadone.
Does Coventry Health Care Cover The Cost Of Sober Living?
Sober living home costs may be covered by Coventry Health Care insurance if sober living is considered a form of outpatient treatment in the policyholder’s state.
How long Coventry will pay for a recovering individual to stay at the transitional living facility will depend on each individual health plan.
How To Use Your Coventry Health Care Plan For Addiction Treatment
One of the first steps to take in lining up a recovery program to address substance abuse issues is figuring out how to use your Coventry insurance plan to pay for drug rehab.
A Coventry policyholder who is seeking inpatient addiction treatment may need to obtain a referral from a medical provider in advance of signing into a rehab center. This is because a provider usually needs to determine that intensive residential treatment is medically necessary for the patient.
Failure to obtain pre-authorization for treatment services may result in the insurance carrier denying any payment or reimbursement for the cost of treatment.
Prior authorization from Coventry Health Care is typically not required for outpatient treatment programs, but it is always helpful to check with a treatment specialist concerning the specifics of your coverage and treatment needs.
The amount that an individual will pay for addiction treatment depends on several factors, such as:
- copay amount
- coverage limits
- length of stay at the rehab center
- any outpatient treatment required
- whether the rehab center is in-network or out-of-network
Coventry Health Care in-network addiction treatment centers have an agreement with Coventry to provide addiction treatment at an established rate.
On the other hand, out-of-network rehab centers do not have an existing relationship with Coventry Health Care and may charge much higher rates for their services than in-network treatment centers.
List Of Coventry Health Care Plans By State
Coventry Health Care serves approximately 5 million members in all 50 states. It operates under a variety of different names across the country and through affiliated subsidiaries.
The benefit of Coventry Health Care operating through state and regional subsidiaries to serve members across the U.S. is that they can tailor their relationships with medical providers and facilities to meet the local needs of their members.
Coventry Health Care’s wide national network of medical professionals includes more than 380,000 doctors and 4,600 hospitals that must all meet the quality credentials established by Coventry Health Care.
Members can trust that they have access to quality medical providers with the ability to treat their specific conditions or substance abuse issues.
The insurance plans available for individuals and families vary by state. For example, Coventry Health Care individual and family plans available in Georgia range from bronze to gold levels of coverage. Although the gold plans have higher premiums across the board, they cover a higher percentage of the cost of addiction treatment.
Once a policyholder identifies the appropriate treatment facility that is accepted by their insurance plan, paying for addiction treatment with Coventry Health Care insurance is fairly straightforward.
Finding A Rehab Center That Accepts Coventry Health Care
Contact our team of addiction recovery specialists today for information on rehab centers that accept Coventry Health Care insurance.
We can provide a list of rehab centers that work with Coventry Health Care insurance so that those seeking treatment can focus exclusively on their recovery without worrying about how to cover the cost of treatment.
For individuals covered by Coventry Health Care insurance, our specialists are here to help take the guesswork out of locating a rehab center that accepts your insurance coverage.
Updated on July 27, 2020
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.
- Coventry Health Care — Policy Information
- 2018 National Survey on Drug Use and Health — Treatment Statistics for Substance Abuse
- MHNet Behavioral Health — Behavioral Health Coverage from Coventry Health Care Insurance