People with addiction can use insurance coverage through companies such as Lifetime Healthcare to pay for the treatment services they need.
Insurance plans will vary in cost, but all policyholders are entitled to some level of coverage if they’ve purchased a plan through the Health Insurance Marketplace.
Treatment options through Lifetime Healthcare may include inpatient or outpatient programs and evidence-based services such as medication-assisted treatment and detoxification.
Does Lifetime Healthcare Insurance Cover Rehab?
Yes, Lifetime Healthcare does cover addiction treatment for people battling substance abuse.
As a not-for-profit entity, Lifetime acts as a holding company that provides coverage for over 1.5 million Americans through its affiliates.
- Univera Healthcare
- Excellus Blue Cross Blue Shield
- Lifetime Benefit Solutions, Inc.
- MedAmerica Insurance Company
The type of insurance plan you have through Lifetime Healthcare will determine your level of coverage for behavioral health services.
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Substance Abuse Treatment Services Covered By Lifetime Healthcare Insurance
Under the Affordable Care Act (ACA), all insurance companies, including Lifetime Healthcare, are required to provide coverage for substance abuse treatment.
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Lifetime Healthcare Insurance Coverage By Treatment Type
Below are some of the recovery programs at least partially covered by Lifetime.
Lifetime Healthcare Insurance Plan Types
Insurance companies affiliated with Lifetime Healthcare are sold on the Health Insurance Marketplace, which categorizes plans by coverage levels, also known as metal tiers.
Metal tiers include:
- Bronze plans — These plans feature low monthly premiums and high deductibles. Bronze plans pay 60% of the cost of care, while members pay the remaining 40%.
- Silver plans — Silver plans cover 70% of treatment costs with moderate deductibles and monthly premiums.
- Gold plans — Gold plans feature high monthly premiums with lower deductibles and other out-of-pocket costs. Up to 80% of treatment costs will be covered by this tier.
- Platinum plans — Platinum tier plans pay up to 90% of costs. Monthly premiums are very high, but the out-of-pocket costs are very low when you get care.
How To Use Lifetime Healthcare Insurance Coverage For Substance Abuse Treatment
There are several steps you may have to take before you can use your Lifetime Healthcare insurance for addiction treatment.
First, you may need to check your insurance policy to determine whether you need to seek pre-authorization or a referral for treatment.
You can then search for an in-network treatment facility by contacting the customer support team or by visiting the insurance company’s member portal online.
Once a rehab center has been selected, you can provide the admissions department with your insurance information and begin the intake process.
Lifetime Healthcare Co-Pays And Deductibles For Addiction Treatment
The cost of co-pays and deductibles will vary widely based on the details of your insurance plan.
Deductibles are the amount you have to pay before the insurance plan will begin paying. For example, if your deductible is $1,500, you will have to pay up to that amount before your plan will kick in.
Co-pays are a fixed amount you have to pay for a covered healthcare service after you’ve paid the deductible. Co-payments can range from $0 to $40 or more depending on the type of insurance plan.
Generally, plans under Lifetime Healthcare with lower monthly premiums will feature higher co-payments and deductibles.
What Addictions Does Lifetime Healthcare Insurance Cover?
Addictions to substances such as cocaine, alcohol, meth, opioids, and prescription medications are all covered by Lifetime Healthcare insurance.
Other issues such as mental health disorders or addiction to gambling may also be covered.
What If My Insurance Plan Doesn’t Cover The Treatment Program I Need?
If you or your loved one have inadequate health insurance, or your insurance plan does not cover the treatment program you need to achieve sobriety, there are other options for payment.
Payment options for addiction treatment include:
- government grants such as the Substance Use Prevention, Treatment, and Recovery Services Block Grant (SUBG)
- self-pay using cash or credit card
- crowdfunding from family and friends
- sliding fee scales
- payment plans
You might also consider looking into state-funded drug rehab centers and faith-based or nonprofit programs for low-cost or free addiction care.
Free treatment programs may be funded by private donations or government funds. There may be a waitlist to receive care at these facilities due to high demand.
Finding A Rehab Center That Accepts Lifetime Healthcare Insurance
There are several methods you can use to find a rehab facility that accepts Lifetime Healthcare.
The most straightforward way to find a facility is by using your insurance provider’s website. Typically, there will be a list of in-network rehab centers in your area to choose from.
You can also conduct a Google search for nearby programs or use the Substance Abuse and Mental Health Services Administration (SAMHSA) search tool.
Your primary care provider may also be able to provide you with a referral to a reputable treatment facility that accepts your insurance plan.
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Reach out to AddictionResource.net for more helpful information about substance use disorder treatment.
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- Lifetime Insurance
- Harvard — How Addiction Hijacks The Brain